Bay County property record for 903 W 3rd St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 1961 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (May 2023) |
| Tax Bill | $2,448 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 09094-000-000 |
| Primary APN | 09094-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,170 sqft Heated Area |
| Gross Area | 2,050 sqft |
| 1st Floor Area | 1,170 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Area | 312 sqft |
| Porch | Porch |
| Porch Area | 424 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 903 W 3RD ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-1223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYNN HAVEN (2.02) MAP 89A LOT 3 & W1/2 LOTS 1 & 2 BLK 47 ORB 4692 P 534 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 47 |
| Legal Lot Number | 1-3 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1403 |
903 W 3rd St is owned and occupied by an individual who bought it in May 2023.
Source: Bay County records, as of January 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 903 W 3RD ST, LYNN HAVEN, FL 32444-1223 |
| 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 |
|---|---|
| May 24, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU |
| Dec 12, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 24, 2023 · Amount on File |
| Deed Sale | May 24, 2023 · Amount on File |
| Prior Sale | Jun 8, 2020 · Amount on File |
| Deed Document Number | 2023032233 |
| Deed Book / Page | 4692 / 534 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 24, 2023 |
| Property Address | 903 W 3RD ST, LYNN HAVEN, FL 32444-1223 |
| Document Number | 0046920534 |
| Book / Page | 4692 / 534 |
| Instrument Date | May 18, 2023 |
| Instrument | 2023032233 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | FLORIDA LEGAL TITLE LLC, FLORIDA LEGACY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 903 W 3RD ST, LYNN HAVEN, FL 32444-1223 |
| Name | Verified Name |
|---|---|
| Address | 122 N HARRIS AVE, PANAMA CITY, FL 32401-3824 |
| Investor | Possibly a Property Investor |
| Document Number | 0004692536 |
|---|---|
| Date | May 24, 2023 |
| Instrument | 4692/536 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 8, 2020 |
| Property Address | 903 W 3RD ST, LYNN HAVEN, FL 32444-1223 |
| Document Number | 0042600559 |
| Book / Page | 4260 / 559 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 2020037123 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 903 W 3RD ST, 903, LYNN HAVEN, FL 32444-1223 |
| Name | Verified Name |
|---|---|
| Address | 412 NEW YORK AVE, LYNN HAVEN, FL 32444-1353 |
| Document Number | 0004260561 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 4260/561 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 12, 2018 |
| Property Address | 903 W 3RD ST, LYNN HAVEN, FL 32444-1223 |
| Document Number | 0040682327 |
| Book / Page | 004068 / 002327 |
| Instrument Date | Sep 26, 2018 |
| Instrument | 74790 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 601 MINNESOTA AVE LYNN HAVEN FL 324441857, LYNN HAVEN, FL 32444-1857 |
The 2025 property tax bill for 903 W 3rd St was $2,448 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,448.00 Homeowner's exemption | $204,335 Land $76,212 Building $128,123 | $204,335 Land $76,212 Building $128,123 |
| 2023 | $2,256.00 (+21.36%) | $153,587 (+22.55%) Land $72,231 Building $81,356 | $153,587 (+22.55%) Land $72,231 Building $81,356 |
| 2022 | $1,859.00 | $125,328 Land $51,187 Building $74,141 | $125,328 Land $51,187 Building $74,141 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 903 W 3rd St 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 | 11.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 177 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 177 in force |
| Nearby Flood Claims | 364 (1985–2021) |
| Claims Outside the SFHA | 57 of 364 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| 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 903 W 3rd St is low, with 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 96% of the US · lower than 96% 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.
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 227 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 | 1,000 / 75 |
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