Bay County property record for 905 E 15th St, Lynn Haven, FL 32444
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1970 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Oct 2023) |
| Tax Bill | $3,232 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10577-010-000 |
| Primary APN | 10577-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Heated Area |
| Gross Area | 1,292 sqft |
| 1st Floor Area | 1,197 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | Deck Area |
| Patio Area | 64 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 905 E 15TH ST |
|---|---|
| City | LYNN HAVEN |
| State | FL |
| Zip | 32444-3907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYNN HAVEN (1.01) E1/2 LOTS 1 & 2 BLK 300 ORB 4742 P 2367 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 09 |
| Legal Subdivision | LYNN HAVEN |
| Legal Block | 300 |
| Legal Lot Number | 1,2 2 |
| Jurisdiction | BAY FL |
| Township / Civil Division | LYNN HAVEN |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 1402 |
Source: Bay County records · APN 10577-010-000
Assessment roll updated July 1, 2025 · Last verified February 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2023 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU |
| Jul 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 28, 2019 | Warranty Deed, Transfer FIRST INT'L TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2023 · Amount on Record |
| Deed Sale | Oct 24, 2023 · Amount on Record |
| Prior Sale | Jul 11, 2019 · Amount on Record |
| Deed Document Number | 2023067205 |
| Deed Book / Page | 4742 / 2367 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Oct 24, 2023 |
| Property Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Document Number | 0047422367 |
| Book / Page | 4742 / 2367 |
| Map Reference | MB 5 PG 9 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 2023067205 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2023 |
| Title Company | OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7066 ALLEGAN DR, INDIANAPOLIS, IN 46217-7147 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Document Number | 0047422369 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 4742/2369 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Document Number | 0043660088 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 4366/88 |
| Instrument | 2021012255 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Jul 11, 2019 |
| Property Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Document Number | 0041430884 |
| Book / Page | 4143 / 0884 |
| Instrument Date | Jul 10, 2019 |
| Instrument | 2019063143 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,081.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 603, LYNN HAVEN, FL 32444-0603 |
| Name | Verified Name |
|---|---|
| Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Document Number | 0004143886 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | 4143/886 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | May 28, 2019 |
| Property Address | 905 E 15TH ST, LYNN HAVEN, FL 32444-3907 |
| Document Number | 0041270150 |
| Book / Page | 004127 / 000150 |
| Instrument Date | May 24, 2019 |
| Instrument | 49984 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | FIRST INT'L TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 603 LYNN HAVEN FL 324440603, LYNN HAVEN, FL 32444-0603 |
Source: Bay County records · Assessment roll updated July 1, 2025 · Last verified February 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 | $3,232.00 (+120.61%) | $214,873 (+62.47%) Land $44,625 Building $170,248 | $214,873 (+32.79%) Land $44,625 Building $170,248 |
| 2023 | $1,465.00 (+10.4%) Homeowner's exemption | $132,251 (+3%) | $161,819 (+15.66%) Land $41,756 Building $120,063 |
| 2022 | $1,327.00 Homeowner's exemption | $128,399 | $139,906 Land $30,600 Building $109,306 |
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 |
|---|---|
| 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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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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