2229 Amhurst St · Lynn Haven, FL 32444

$359,000

4 bd · 3.0 ba · 2,143 sqft · SingleFamily public records · 312 Days on market

Built 1976 8,973 sqft lot $168/sqft · 18% below area Est $438k · 18% under

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +9.5/30.0
• Schools +4.3/10.0
• Livability +4.0/5.0
• Rent growth +3.1/5.0
• DSCR +2.7/10.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

Key facts

• Fully renovated
• Ge cafe refrigerator
• Fenced in back yard

Tags

• FULLY RENOVATED
• MODERN KITCHEN
• GRANITE COUNTERS
• GE CAFE REFRIGERATOR
• DUAL ZONE WINE COOLER
• FENCED IN BACK YARD

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $359k.

Deal economics

• At list price, monthly cash flow is $-249 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $315k (12.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $253k (29.6% below list).
• Recommended offer: $253k (29.6% below list) — sets the bar for 1% rule.
• Cap rate 5.5% vs local median 3.5% in Lynn Haven — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 81/100 on livability (#96 in FL, #1,472 nationally) — a professional / high-income tenant draw. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities D+, commute F.
• Bay (suburban): math 51% / reading 51% proficiency, ranked #29 of 73 in FL (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.5%/yr); 196 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 2,473 units permitted in Bay County in 2024 (559 in 5+ unit buildings).
• This rent runs 36% of the median local income ($83k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Bay County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 312 days — a 12% lower offer ($316k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 27y ago; this cycle's ask has dropped $91k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $81k; list at $359k implies a 343% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $252,723 (29.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 312 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.70% ✗
• Cap rate: 5.46%
• Cash-on-cash: -2.97%
• DSCR: 0.87
• GRM: 11.8

CMA / ARV

• ARV (median comp): $437,514
• List price: $359,000
• Delta: -17.95%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
604 Harvard Blvd	0.06mi	3/2.0 (-1)	2,077 (-3%)	14mo	$336,000	$162	72
515 Harvard Blvd	0.12mi	3/3.0 (-1)	2,415 (+13%)	23mo	$512,000	$212	50
108 Chelsea Ln	0.73mi	4/2.5	1,948 (-9%)	11mo	$420,000	$216	40
2517 Country Club Dr	0.52mi	3/2.5 (-1)	2,413 (+13%)	10mo	$490,000	$203	39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 2.52% rent growth · sell at horizon

5-year hold

• IRR: -21.8%
• Equity multiple: 0.25×
• Total profit: $-75,359
• Equity at exit: $53,528

10-year hold

• IRR: -16.7%
• Equity multiple: 0.09×
• Total profit: $-91,418
• Equity at exit: $31,040

Cash invested: $100,520 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32444

• Home prices YoY: -29.1%
• Rents YoY: 2.5%
• Active inventory: 196
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $2,527 medium
• Mortgage (P&I): −$1,883
• Tax from tax record: −$213 /mo · $2,561/yr
• Insurance: −$150
• HOA: −$0
• Vacancy / Maint / Mgmt: −$531
• Net cashflow: $-249

Break-even live

Break-even rent $2,843

Max offer price $314,999

Occupancy floor —

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $89,750
• Closing costs: $10,770
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
332 Harvard Blvd Lynn Haven, FL	3.0	2.0	1600	$2,000	$1.25	21d	1	0.28mi
103 Parkview Ln Lynn Haven, FL	4.0	2.5	2722	$3,000	$1.10	21d	1	0.88mi

Listing history 33 events

1. 2026-04-27
   price $359,000 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

2. 2026-04-16
   price $369,000 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

3. 2026-03-25
   status Active 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

4. 2026-03-09
   historical Active Under Contract 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

5. 2026-03-04
   price $394,900 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

6. 2025-12-15
   status Active 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

7. 2025-12-15
   price $399,900 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

8. 2025-12-08
   historical 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

9. 2025-11-24
   price $409,900 1525-char remark

   Show marketing remark (1525 chars)

   ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

10. 2025-10-09
    price $425,000 1525-char remark

    Show marketing remark (1525 chars)

    ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

11. 2025-09-29
    status Active 1525-char remark

    Show marketing remark (1525 chars)

    ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

12. 2025-09-11
    historical Active Under Contract 1525-char remark

    Show marketing remark (1525 chars)

    ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

13. 2025-08-07
    price $432,500 1525-char remark

    Show marketing remark (1525 chars)

    ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

14. 2025-06-07
    listed $450,000 Active 1525-char remark

    Show marketing remark (1525 chars)

    ''Opportunity Returns - Don't Miss It This Time. '' Fully Renovated 3-Bedroom Home in Prime Lynn Haven Location! Welcome to this beautifully renovated 2-story home located in the heart of Lynn Haven, one of the area sought-after communities offering a charming suburban feel with modern conveniences. This 3-bedroom, 2.5-bathroom home was completely updated in 2021, featuring new windows, new doors, and stylish, higher end finishes throughout. As you step inside and you'll be taken in by a bright, open-concept living space that flows seamlessly into a modern kitchen and dining area—perfect for both everyday living and entertaining. The galley style kitchen features granite counters paired with a stylish back splash. To further compliment the kitchen you will find a GE Café French door refrigerator, 24 inch dual zone wine and beverage cooler along with other stainless steel appliance that make this space home. Enjoy peaceful mornings or sunset strolls—this home is just a short walk to a nearby park and waterfront, ideal for outdoor activities and family fun. If you prefer a shorter stroller a fenced in back yard comes with your own pool. The large pool area and yard are perfect for hosting family and friends. The large drive way provides ample parking for your guest or boat, you decide. Whether you're looking for a primary residence, second home, or investment property, this gem you must see to appreciate! Schedule your private showing today and make Lynn Haven your new home!

15. 2025-04-14
    listed $450,000 Active
16. 2021-12-14
    historical
17. 2021-12-14
    historical
18. 2021-12-14
    historical
19. 2020-09-28
    soldstatus $81,000
20. 2020-09-12
    listed $80,000
21. 2020-03-30
    historical
22. 2020-03-16
    listed $70,000
23. 2003-12-01
    soldstatus $180,000
24. 2003-12-01
    soldstatus $180,000
25. 2003-11-21
    soldstatus $180,000
26. 2003-08-06
    listed $188,900
27. 2002-09-16
    soldstatus $143,500
28. 2002-09-13
    soldstatus $143,500
29. 2001-12-07
    listed $149,900
30. 2001-06-01
    listed $161,900
31. 1999-11-15
    listed $164,900
32. 1999-04-30
    listed $164,900
33. 1994-01-01
    soldstatus $109,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,561 · $213/mo
• Projected year-2 tax: $2,980 · $248/mo
• Expected delta: +$419/yr (+$35/mo · 16.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 23% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,327
• − Mortgage interest: −$20,110
• − Property taxes: −$2,561
• − Insurance: −$1,795
• − Repairs & maintenance: −$2,426
• − Management: −$2,426
• − Depreciation: −$10,444
• Taxable loss: −$9,434
• Est. tax savings @ 24.0%: +$2,264
• After-tax cash flow: $-725/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Bay
• NCES district ID: 1200090
• Math proficiency: 51% ▼ -8.00%
• Reading proficiency: 51% ▼ -7.00%
• Median HH income: $47,740
• Composite: 43.41/100
• National rank: #3014
• State rank: #29 of 73 in FL

Livability — Lynn Haven

• Score: 81/100
• State rank: #96
• US rank: #1472

Category grades

Amenities D+ Commute F Cost of living A- Crime A+ Employment B+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Bay County · 163,593 people
• City population: 21,459
• Metro: Panama City, FL
• Population (ZIP): 21,459
• Household income: $83,160
• Rent vs Own: 30.2% rent · 69.8% own
• Severe rent burden: 430.0

Population outlook (Bay County) Hauer SSP2

• Today (2025): 206,264 people
• By 2030: 217,740 · +5.6%
• By 2040: 238,738 · +15.7%
• By 2050: 255,545 · +23.9%
• By 2075: 288,295 · +39.8%
• By 2100: 288,638 · +39.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 11% Hispanic / Latino 10% Black 6% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Lithuanian 3% Romanian 3% Serbian 2%
• Foreign-born: 10% · Canada, Vietnam, South Korea
• Languages at home: 87% English-only · Spanish 8% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Bay

• 2024 margin: Solid R (+47.4) · D 25.8% · R 73.1% · Other 1.1%
• 2008→2024 swing: -6.6pp toward R · 2008: -40.7pp · 2024: -47.4pp
• All cycles: 2024: R+47.4 2020: R+43.5 2016: R+46.3 2012: R+43.6 2008: R+40.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -108.08%
• Current HPI: 263.5418
• Rent YoY: ▲ 2.52%
• Metro: Panama City, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+229.4% since first listed

33 events — show timeline

• 2026-04-27 Price Changed $359,000 CPARMLS
• 2026-04-16 Price Changed $369,000 CPARMLS
• 2026-03-25 Relisted — CPARMLS
• 2026-03-09 Contingent — CPARMLS
• 2026-03-04 Price Changed $394,900 CPARMLS
• 2025-12-15 Relisted — CPARMLS
• 2025-12-15 Price Changed $399,900 CPARMLS
• 2025-12-08 Listing Removed — CPARMLS
• 2025-11-24 Price Changed $409,900 CPARMLS
• 2025-10-09 Price Changed $425,000 CPARMLS
• 2025-09-29 Relisted — CPARMLS
• 2025-09-11 Contingent — CPARMLS
• 2025-08-07 Price Changed $432,500 CPARMLS
• 2025-06-07 Listed $450,000 CPARMLS
• 2025-04-14 Listed $450,000 ECAR
• 2021-12-14 Listing Removed — CPARMLS
• 2021-12-14 Listing Removed — CPARMLS
• 2021-12-14 Listing Removed — CPARMLS
• 2020-09-28 Sold (MLS) $81,000 CPARMLS
• 2020-09-12 Listed $80,000 CPARMLS
• 2020-03-30 Listing Removed — CPARMLS
• 2020-03-16 Listed $70,000 CPARMLS
• 2003-12-01 Sold (Public Records) $180,000 Public Records
• 2003-12-01 Sold (Public Records) $180,000 Public Records
• 2003-11-21 Sold (MLS) $180,000 CPARMLS
• 2003-08-06 Listed $188,900 CPARMLS
• 2002-09-16 Sold (Public Records) $143,500 Public Records
• 2002-09-13 Sold (MLS) $143,500 CPARMLS
• 2001-12-07 Listed $149,900 CPARMLS
• 2001-06-01 Listed $161,900 CPARMLS
• 1999-11-15 Listed $164,900 CPARMLS
• 1999-04-30 Listed $164,900 CPARMLS
• 1994-01-01 Sold (Public Records) $109,000 Public Records

Property tax history

+4.4%/yr

Latest (2025): $2,561 · +7.1% YoY. Source: county tax records.