706 Amy St, Lynn Haven, FL 32444 Property Records

Bay County property record for 706 Amy St, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 1979
Lot Size	0.223 acres (9,713 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (Aug 2024)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11634-764-000`

Property Details

APN / Parcel Number

Primary APN	`11634-764-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,614 sqft Living Area
1st Floor Area	1,549 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2019
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,713 sqft (0.223 acres)
Lot Dimensions	108 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	374 sqft
Carport	Carport
Carport Area	374 sqft
Driveway	Driveway
Driveway Area	782 sqft
Porch	Florida Room
Porch Area	261 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	706 AMY ST
City	LYNN HAVEN
State	FL
Zip	32444-4379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BB
Legal Description	PINE FOREST ESTATES PHASE 1 LOT 13 BLK C MAP 103B1 ORB 4831 P 2131
Legal Range	14W
Legal Township	03S
Legal Section	16
Legal Subdivision	PINE FOREST ESTATES
Legal Phase	1
Legal Block	C
Legal Lot Number	13
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2028
Census Tract	1301

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	2 Individual Names on Record
Mailing Address	706 AMY ST, LYNN HAVEN, FL 32444-4379
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 5, 2023	Warranty Deed, Transfer FLORIDA LEGAL TITLE LLC, FLORIDA LEGAL TITLE
Jan 13, 2022	Warranty Deed, Transfer · VA Mortgage RIVER BANK & TRUST
Mar 16, 2020	Deed of Trust, Mortgage · VA Mortgage GATEWAY FIRST BANK
Mar 15, 2019	Warranty Deed, Transfer · VA Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Prior Sale	Sep 5, 2023 · Amount on Record
Deed Document Number	202448629
Deed Book / Page	4831 / 2131
Prior Transfer Date	Oct 5, 2016
Prior Transfer Doc	0038411042
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	706 AMY ST, LYNN HAVEN, FL 32444-4379
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 AMY ST, LYNN HAVEN, FL 32444-4379

Mortgage

Document Number	0047451254
Date	Nov 1, 2023
Book Page	4745/1254
Instrument	2023069009

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Sep 5, 2023
Property Address	706 AMY ST, LYNN HAVEN, FL 32444-4379
Document Number	0047270934
Book / Page	4727 / 934
Map Reference	MB 12 PG 25
Instrument Date	Sep 1, 2023
Instrument	2023056379
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	FLORIDA LEGAL TITLE LLC, FLORIDA LEGAL TITLE

Transaction

Amount	Amount Recorded
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2132 HAMILTON PL N, OPELIKA, AL 36801-6843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 27337, PANAMA CITY, FL 32411-7337

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jan 13, 2022
Property Address	706 AMY ST, LYNN HAVEN, FL 32444-4379
Document Number	0045111068
Book / Page	4511 / 1068
Map Reference	MB 12 PG 25
Instrument Date	Dec 30, 2021
Instrument	2022003248
Transaction Type	Transfer
Record Updated	Jan 27, 2022
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	708 SHADYCREST DR, 708, KNOXVILLE, TN 37909-2411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 AMY ST, LYNN HAVEN, FL 32444-4379

Mortgage

Document Number	0045111070
Date	Jan 13, 2022
Instrument	4511/1070

Lender

Name	RIVER BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	706 AMY ST, LYNN HAVEN, FL 32444-4379
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042330703
Date	Mar 16, 2020
Book Page	4233/703
Instrument	2020019696

Lender

Name	GATEWAY FIRST BANK
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Mar 15, 2019
Property Address	706 AMY ST, LYNN HAVEN, FL 32444-4379
Document Number	0041011373
Book / Page	004101 / 001373
Instrument Date	Mar 15, 2019
Instrument	28189
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,399.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	706 AMY ST LYNN HAVEN FL 324444379, LYNN HAVEN, FL 32444-4379

Mortgage

Document Number	41011375
Date	Mar 15, 2019
Book Page	004101/001375
Instrument	28190

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2049

Mortgage

Document Number	41210821,
Date	Mar 15, 2019
Book Page	004121/000821
Instrument	45342

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 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	$3,038.00 (+10.51%) Homeowner's exemption	$243,551 (+13.59%) Land $56,200 Building $187,351	$243,551 (+13.59%) Land $56,200 Building $187,351
2024	$2,749.00 (-14.87%)
2023	$3,229.00 (+15.9%)	$214,414 (+12.67%) Land $48,000 Building $166,414	$214,414 (+12.67%) Land $48,000 Building $166,414
2022	$2,786.00	$190,302 Land $47,825 Building $142,477	$190,302 Land $47,825 Building $142,477

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 325 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	325 in force
Nearby Flood Claims	60 (1998–2021)
Claims Outside the SFHA	27 of 60
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 48 claims Severe Storms And Flooding, Jul 2013 · 3 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 516 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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