Bay County property record for 725 Beachcomber Dr, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,838 sqft · built 1971 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Dec 2017) |
| Tax Bill | $3,071 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Dec 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 08945-080-000 |
| Primary APN | 08945-080-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,838 sqft Living Area |
| Gross Area | 3,342 sqft |
| 1st Floor Area | 2,838 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Driveway | Driveway |
| Driveway Area | 720 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Unfinished Open Porch |
| Porch Area | 144 sqft |
| Patio Area | 312 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 725 BEACHCOMBER DR |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-3419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | NORTHSHORE PLAT UNIT # 2 LOT 9 & E1/4 LOT 10 BLK C ORB 3962 P 584 (9.01) |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | NORTHSHORE PLAT |
| Legal Block | C |
| Legal Lot Number | 9,10 |
| Legal Unit | 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 1404 |
725 Beachcomber Dr is owned and occupied by two individuals who bought it in December 2017.
Source: Bay County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 725 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional with PMI USAA |
| Dec 11, 2017 | Warranty Deed, Transfer · Conventional with PMI USAA |
| May 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2017 · Amount on File |
| Deed Sale | Dec 11, 2017 · Amount on File |
| Prior Sale | Apr 19, 2000 · Amount on File |
| Deed Document Number | 201771141 |
| Deed Book / Page | 3962 / 584 |
| Prior Transfer Date | May 16, 2017 |
| Prior Transfer Doc | 0039030705 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 725 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3419 |
| Document Number | 0042290926 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 726 BEACHCOMBER DR LYNN HAVEN FL 32444, LYNN HAVEN, FL 32444 |
| Document Number | 0042290926 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 004229/000926 |
| Instrument | 16915 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 4, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 11, 2017 |
| Property Address | 725 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3419 |
| Document Number | 0039620584 |
| Book / Page | 003962 / 000584 |
| Instrument Date | Dec 8, 2017 |
| Instrument | 71141 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | MTI TITLE INSURANCE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 725 BEACHCOMBER DR LYNN HAVEN FL 324443419, LYNN HAVEN, FL 32444-3419 |
| Document Number | 39620586 |
|---|---|
| Date | Dec 11, 2017 |
| Book Page | 003962/000586 |
| Instrument | 71142 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 10, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 23, 2017 |
| Property Address | 725 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3419 |
| Document Number | 0039030705 |
| Book / Page | 003903 / 000705 |
| Instrument Date | May 16, 2017 |
| Instrument | 29384 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 11424 E 119TH AVE HENDERSON CO 806407411, HENDERSON, CO 80640-7411 |
The 2025 property tax bill for 725 Beachcomber Dr was $3,071 with a homeowner's exemption, up 2.3% from the year before.
Source: Bay County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,071.00 (+2.3%) Homeowner's exemption | $287,813 | $460,201 Land $126,900 Building $333,301 |
| 2024 | $3,002.00 (+1.97%) | ||
| 2023 | $2,944.00 (+11.6%) Homeowner's exemption | $271,031 (+3%) | $356,832 (+6.93%) Land $76,500 Building $280,332 |
| 2022 | $2,638.00 Homeowner's exemption | $263,137 | $333,706 Land $76,500 Building $257,206 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 725 Beachcomber Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 425 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 425 in force |
| Nearby Flood Claims | 112 (1989–2024) |
| Claims Outside the SFHA | 24 of 112 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| Claims by Event |
|
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 risk around 725 Beachcomber Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 277 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 |
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