Bay County property record for 863 E 12th St, Lynn Haven, FL 32444
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Apr 2026) |
| Tax Bill | $552 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2020 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 10731-010-010 |
| Primary APN | 10731-010-010 |
|---|
| Lot Area | 7,492 sqft (0.172 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Street Address | 863 E 12TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-2703 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LYNN HAVEN W1/2 OF LOTS 9, 10 BLK 329 ORB 3835 P 886 ORB 4288 P 2179 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 329 |
| Legal Lot Number | 9,10 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 1402 |
Source: Bay County records · APN 10731-010-010
Assessment roll updated January 5, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 863 E 12TH ST, LYNN HAVEN, FL 32444-2703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 13, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| Aug 19, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on Record |
| Deed Sale | Apr 13, 2026 · Amount on Record |
| Deed Document Number | 202621775 |
| Deed Book / Page | 5023 / 682 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Apr 13, 2026 |
| Property Address | 863 E 12TH ST, LYNN HAVEN, FL 32444-2703 |
| Document Number | 0000021775 |
| Book / Page | 5023 / 682 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026.21775 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2026 |
| Title Company | ANCHOE TITLE, ANCHOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $229,775.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 863 E 12TH ST, LYNN HAVEN, FL 32444-2703 |
| Document Number | 0000021776, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 2026..21776 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000021777, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 5023/700 |
| Instrument | 2026.21777 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 30 Months |
| Due | May 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 19, 2020 |
| Property Address | 863 E 12TH ST, LYNN HAVEN, FL 32444-2703 |
| Document Number | 0042882179 |
| Book / Page | 004288 / 002179 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 54691 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1401 BUENA VISTA BLVD PANAMA CITY FL 324012027, PANAMA CITY, FL 32401-2027 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $552.00 (-4.99%) | $34,860 (-7.24%) | $40,162 (+6.87%) Land $40,162 |
| 2024 | $581.00 (+5.83%) | ||
| 2023 | $549.00 (+20.66%) | $37,580 (+36.46%) Land $37,580 | $37,580 (+36.46%) Land $37,580 |
| 2022 | $455.00 | $27,540 Land $27,540 | $27,540 Land $27,540 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050014023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 41 (1995–2021) |
| Claims Outside the SFHA | 35 of 41 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
May also be available: Verizon.
Based on FCC filings for 391 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL1030435, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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