Bay County property record for 905 E 12th St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,402 sqft · built 1972 |
| Lot Size | 1.2 acres (52,446 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Jun 2026) |
| Tax Bill | $5,813 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10671-000-000 |
| Primary APN | 10671-000-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,402 sqft Living Area |
| 1st Floor Area | 2,402 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 52,446 sqft (1.2 acres) |
| Lot Dimensions | 150 ft deep x 250 ft wide |
| Driveway | Driveway |
| Driveway Area | 420 sqft |
| Porch | Open Porch |
| Porch Area | 398 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 905 E 12TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-2705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LYNN HAVEN LOTS 1-4 & 18-20 BLK 317 ORB 4515 P 628 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 317 |
| Legal Lot Number | 1-4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 1402 |
Source: Bay County records · APN 10671-000-000
Assessment roll updated January 5, 2026 · Last verified August 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 | 6524 OLOKEE ST, PANAMA CITY, FL 32404-8043 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Jun 09, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Jan 25, 2022 | Correction Deed ACCOMMODATION |
| Dec 09, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2026 · Amount on Record |
| Deed Sale | Jun 09, 2026 · Amount on Record |
| Deed Document Number | 202634645 |
| Deed Book / Page | 5043 / 358 |
| Prior Transfer Date | Jan 20, 2022 |
| Prior Transfer Doc | 0045150628 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jun 09, 2026 |
| Property Address | 905 E 12TH ST, LYNN HAVEN, FL 32444-2705 |
| Document Number | 0000034645 |
| Book / Page | 5043 / 358 |
| Instrument Date | May 22, 2026 |
| Instrument | 202634645 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | DEFENDER TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211,393.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6524 OLOKEE ST, PANAMA CITY, FL 32404-8043 |
| Investor | Possibly a Property Investor |
| Document Number | 0000034646, |
|---|---|
| Date | Jun 09, 2026 |
| Instrument | 202634646 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jan 25, 2022 |
| Property Address | 905 E 12TH ST, LYNN HAVEN, FL 32444-2705 |
| Document Number | 0045150628 |
| Book / Page | 4515 / 628 |
| Instrument Date | Jan 20, 2022 |
| Instrument | 2022005633 |
| Record Updated | Jun 07, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 9944 DEERCREEK CLUB RD E, JACKSONVILLE, FL 32256-1400 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Dec 09, 2021 |
| Property Address | 905 E 12TH ST, LYNN HAVEN, FL 32444-2705 |
| Document Number | 0044961787 |
| Book / Page | 4496 / 1787 |
| Instrument Date | Dec 06, 2021 |
| Instrument | 2021093377 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 9944 DEERCREEK CLUB RD E, JACKSONVILLE, FL 32256-1400 |
Source: Bay County records · Assessment roll updated January 5, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Lynn Haven City |
| Unified School District | Bay County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,813.00 (+3.88%) | $369,083 (+0.51%) | $418,087 (+13.85%) Land $245,000 Building $173,087 |
| 2024 | $5,596.00 (+7.82%) | ||
| 2023 | $5,190.00 (+23.93%) | $367,213 (+24.83%) Land $229,250 Building $137,963 | $367,213 (+24.83%) Land $229,250 Building $137,963 |
| 2022 | $4,188.00 | $294,177 Land $168,000 Building $126,177 | $294,177 Land $168,000 Building $126,177 |
Source: FEMA National Flood Hazard Layer, Bay County (12005C), as of September 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120050014024, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 34 (1998–2026) |
| Claims Outside the SFHA | 34 of 34 |
| Most Recent Claim | Jan 2026 · other causes |
| 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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