810 E Pine Forest Dr, Lynn Haven, FL 32444 Property Records

Bay County property record for 810 E Pine Forest Dr, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1989
Lot Size	0.361 acres (15,725 sqft)
Owner	Individual Name on Record
Tax Bill	$1,038 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11635-384-000`

Property Details

APN / Parcel Number

Primary APN	`11635-384-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	15,725 sqft (0.361 acres)
Lot Dimensions	146 ft deep x 108 ft wide
Garage Area	350 sqft
Driveway	Driveway
Driveway Area	57 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	377 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	810 E PINE FOREST DR
City	LYNN HAVEN
State	FL
Zip	32444-4371
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BB
Legal Description	PINE FOREST EST. PHASE 5 LOT 44 BLK B ORB 1250 P 1892 MAP 103B1 ORB 2185 P 957 ORB 2979 P 1834
Legal Range	14W
Legal Township	03S
Legal Section	16
Legal Subdivision	PINE FOREST EST
Legal Phase	5
Legal Block	B
Legal Lot Number	44
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
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	Individual Name on Record
Mailing Address	810 E PINE FOREST DR, LYNN HAVEN, FL 32444-4371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit PANHANDLE EDUCATORS FCU
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 20, 2007
Transfer Doc	0029791834
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	810 E PINE FOREST DR, LYNN HAVEN, FL 32444-4371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039541434
Date	Nov 14, 2017
Book Page	3954/1434
Instrument	2017065804

Lender

Name	PANHANDLE EDUCATORS FCU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Oct 31, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	810 E PINE FOREST DR, LYNN HAVEN, FL 32444-4371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042241139
Date	Feb 21, 2020
Book Page	4224/1139
Instrument	2020013502

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$1,038.00 (-4.51%) Homeowner's exemption	$110,657 (+5.99%)	$180,074 (+12.74%) Land $56,200 Building $123,874
2024	$1,087.00 (+4.22%)
2023	$1,043.00 (+41.14%) Homeowner's exemption	$104,406 (+19.71%)	$159,720 (+44.59%) Land $48,000 Building $111,720
2022	$739.00 Homeowner's exemption	$87,218	$110,464 Land $47,825 Building $62,639

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 255 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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