802 Beachcomber Dr, Lynn Haven, FL 32444 Property Records

Bay County property record for 802 Beachcomber Dr, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,622 sqft · built 2020
Lot Size	0.619 acres (26,964 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Sep 2016)
Tax Bill	$9,787 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`08945-130-000`

Property Details

APN / Parcel Number

Primary APN	`08945-130-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,622 sqft Heated Area
Gross Area	6,201 sqft
1st Floor Area	2,017 sqft
2nd Floor Area	1,458 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,964 sqft (0.619 acres)
Lot Dimensions	150 ft deep x 180 ft wide
Garage Area	1,479 sqft
Driveway	Driveway
Driveway Area	847 sqft
Porch	Porch
Porch Area	472 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	802 BEACHCOMBER DR
City	LYNN HAVEN
State	FL
Zip	32444-3420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH SHORE PLAT UNIT NO. 2 LOTS 14,15 BLK C ORB 3830 P 928
Legal Range	14W
Legal Township	03S
Legal Section	07
Legal Subdivision	NORTHSHORE UN 2
Legal Block	C
Legal Lot Number	14,15 15
Legal Unit	2
Jurisdiction	BAY FL
Township / Civil Division	LYNN HAVEN
Census Block Group	2
Census Block	2065
Census Tract	1404

Owner

Source: Bay County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	802 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK
Sep 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FLORIDA BANK
May 24, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FLORIDA BANK
Aug 7, 2020	Loan Modification, Mortgage FIRST FL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2016 · Amount on Record
Deed Sale	Sep 12, 2016 · Amount on Record
Deed Document Number	2016050125
Deed Book / Page	3830 / 0928
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	802 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3420
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3420

Mortgage

Document Number	0043651264
Date	Feb 19, 2021
Book Page	4365/1264
Instrument	2021011928

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	802 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3420
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040460978
Date	Sep 11, 2018
Book Page	4046/0978
Instrument	2018054442

Lender

Name	FIRST FLORIDA BANK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	802 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3420
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041270099
Date	May 24, 2019
Book Page	4127/0099
Instrument	2019049975

Lender

Name	FIRST FLORIDA BANK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY FL
Property Address	802 BEACHCOMBER DR, LYNN HAVEN, FL 32444-3420
Document Number	0042840918
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	FLORIDA COASTAL CLOSING AND ESCR, FLORIDA COASTAL CLOSING & ESCR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	802 BEACHCOMBER DR LYNN HAVEN FL 324443420, LYNN HAVEN, FL 32444-3420

Mortgage

Document Number	0042840918
Date	Aug 7, 2020
Book Page	004284/000918
Instrument	51867

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,787.00 (+4.52%) Homeowner's exemption	$830,600 (+5.99%)	$917,626 (+12.26%) Land $353,430 Building $564,196
2023	$9,364.00 (+11.68%) Homeowner's exemption	$783,681 (+3%)	$817,377 (+7.43%) Land $311,850 Building $505,527
2022	$8,385.00 Homeowner's exemption	$760,855 Land $291,060 Building $469,795	$760,855 Land $291,060 Building $469,795

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Michael, Oct 2018 · 52 claims Hurricane Dennis, Jul 2005 · 10 claims Hurricane Opal, Oct 1995 · 41 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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