704 E 15th St, Lynn Haven, FL 32444 Property Records

Bay County property record for 704 E 15th St, Lynn Haven, FL 32444

Property Summary

Property Type	Residential Vacant Land
Details	4 bd · 1.75 ba · 1,814 sqft · built 1959
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Oct 2025)
Tax Bill	$375 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10295-000-000`

Property Details

APN / Parcel Number

Primary APN	`10295-000-000`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Building Area	1,814 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	704 E 15TH ST
City	LYNN HAVEN
State	FL
Zip	32444-3800
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	A
Legal Description	LYNN HAVEN 102C4 E 1/2 LOTS 11 & 12 BLK 250 ORB 4739 P 759
Legal Range	14W
Legal Township	03S
Legal Section	09
Legal Subdivision	LYNN HAVEN
Legal Block	250
Legal Lot Number	11,12
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	4
Census Block	4043
Census Tract	1402

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	704 E 15TH ST, LYNN HAVEN, FL 32444-3800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU
Oct 11, 2023	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC
Feb 27, 2019	Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI
Mar 4, 2019	Warranty Deed, Transfer FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR
Jan 1, 2019	Deed of Trust, Mortgage US SMALL BUSINESS ADMINISTRATI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Oct 11, 2023 · Amount on Record
Deed Document Number	202557019
Deed Book / Page	4958 / 2052
Prior Transfer Date	Sep 30, 2025
Prior Transfer Doc	0049582052
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 1, 2025
Property Address	704 E 15TH ST, LYNN HAVEN, FL 32444-3800
Document Number	0049582052
Book / Page	4958 / 2052
Map Reference	MB 5 PG 9&10
Instrument Date	Sep 30, 2025
Instrument	2025057019
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 896, LYNN HAVEN, FL 32444-0896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E 15TH ST, LYNN HAVEN, FL 32444-3800
Investor	Possibly a Property Investor

Mortgage

Document Number	0049582054
Date	Oct 1, 2025
Instrument	4958/2054

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Max Rate	11%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Oct 11, 2023
Property Address	1417 WISCONSIN AVE, LYNN HAVEN, FL 32444-3940
Document Number	0047390759
Book / Page	4739 / 759
Map Reference	MB 5 PG 9&10
Instrument Date	Oct 11, 2023
Instrument	2023064593
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	CORNERSTONE TITLE INSURANCE AGENCY, CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$161.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1417 WISCONSIN AVE, LYNN HAVEN, FL 32444-3940

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 896, LYNN HAVEN, FL 32444-0896
Investor	Possibly a Property Investor

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	1417 WISCONSIN AVE, LYNN HAVEN, FL 32444-3940
Document Number	0041050345
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 WISCONSIN AVE LYNN HAVEN FL 324443940, LYNN HAVEN, FL 32444-3940

Mortgage

Document Number	0041050345
Date	Mar 26, 2019
Book Page	004105/000345
Instrument	31435

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 4, 2019
Property Address	1417 WISCONSIN AVE, LYNN HAVEN, FL 32444-3940
Document Number	0040961498
Book / Page	004096 / 001498
Instrument Date	Feb 25, 2019
Instrument	23641
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 WISCONSIN AVE LYNN HAVEN FL 324443940, LYNN HAVEN, FL 32444-3940

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1417 WISCONSIN AVE, LYNN HAVEN, FL 32444-3940
Document Number	0040991386
Instrument Date	Jan 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 WISCONSIN AVE LYNN HAVEN FL 324443940, LYNN HAVEN, FL 32444-3940

Mortgage

Document Number	0040991386
Date	Mar 11, 2019
Book Page	004099/001386
Instrument	26272

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2049

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Lynn Haven City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$375.00 (-19.35%)	$24,959 (-4.28%) Land $23,428 Building $1,531	$24,959 (-4.28%) Land $23,428 Building $1,531
2024	$465.00 (+5.2%)	$26,074 (+2.45%) Land $24,543 Building $1,531	$26,074 (+2.45%) Land $24,543 Building $1,531
2023	$442.00 (+8.33%)	$25,450 (+4.78%) Land $23,919 Building $1,531	$25,450 (+4.78%) Land $23,919 Building $1,531
2022	$408.00	$24,289 Land $22,758 Building $1,531	$24,289 Land $22,758 Building $1,531

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	34 (1998–2026)
Claims Outside the SFHA	34 of 34
Most Recent Claim	Jan 2026 · other causes
Claims by Event	Tropical Storm Fred, Aug 2021 · 2 claims Hurricane Michael, Oct 2018 · 15 claims Severe Storms And Flooding, Jul 2013 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Nov 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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