Lynn Haven
Homes for Sale in Lynn Haven, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Lynn Haven in Lynn Haven, FL has 23 homes for sale and 5 pending, asking from $139,700 to $1,950,000 (median $349,000). Over the 12 months ending 2026-09-20, 56 recorded sales closed at a median of $299,962, a median 36 days on market, sellers accepting 96% of original asking (-8% versus the prior year). Homes listed or recently sold were built 1926–2026 with 2 new construction; 5 of the 28 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $3,680 ($3,200 with the full homestead exemption).
Last 30 days in Lynn Haven: 10 new listings (median asking $360,000), 5 under contract right now. As of October 17, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Lynn Haven
Live MLS inventory for Lynn Haven. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Lynn Haven listings as of 2026-10-17, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Price in Lynn Haven is driven by condition and age of the specific house more than by a uniform product type. With a housing stock that spans more than a century and a median build year of 1986, what you pay tracks how much of the home has been updated. The median sits at $301,000, but the spread underneath that number is wide, so two homes on the same street can carry very different price tags depending on renovation history.
The current posture favors a patient buyer. Prices are down 5.9% year over year, the median home takes just over 30 days to go under contract, and the market heat score of 33 points to a slower, negotiable market rather than a bidding-war environment. Sellers should price to condition and expect scrutiny; buyers have room to ask for repairs and to walk from an overpriced listing.
Lynn Haven right now
🟡 Off the recent peak. The trailing-12-month median ($300K) is down 7.7% from the prior 12 months ($325K) and up 131% since 2012.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Very High (56 and 59 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Lynn Haven market snapshot (as of September 20, 2026): the median sale price is about $300K, and a median 36 days on market for closed sales. The trailing-12-month median is down 8% from the prior 12 months and up 131% since 2012, computed from record-level CPAR MLS closed sales (56 closings in the current window).
In ZIP 32404 (Lynn Haven), 1,060 homes closed in the last 12 months at a median of $290K, down 3.3% year over year, with a median 58 days on market. Right now 391 active and 146 pending listings — a balanced market. See the live ZIP 32404 housing market and the Bay County market.
County records show 34 qualified sales in Lynn Haven across 2024–2025 (25 in 2024, 9 in 2025), median $285,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Lynn Haven: of 18 listing addresses checked against the FEMA National Flood Hazard Layer, 72% sit outside the FEMA Special Flood Hazard Area (Zone X); 22% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage; 6% are in a V-series coastal high-hazard zone. Individual parcels vary - verify any specific address at msc.fema.gov.
Lynn Haven is a community of 530 homes in Lynn Haven, Bay County, built between 1911 and 2024 (median 1979.0), with a median living area of about 1,769 square feet. 68% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Lynn Haven is a mature Bay County market of roughly 2,476 homes where a 65% homestead share signals mostly owner-occupied blocks and steady turnover rather than churn.
The setting & the homes.
Aerial and on-site photos of Lynn Haven. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Lynn HavenPhotos from CPAR MLS listings in Lynn Haven; content deemed reliable but not guaranteed.
Who Lynn Haven is best for.
Best for
- Buyers targeting a mid-size home around the $301,000 median who will do the inspection homework
- Value-focused buyers comfortable negotiating repairs in a slower market
- Long-hold owner-occupants who want a mostly homesteaded, stable block
Probably not for
- Buyers who need new-construction uniformity and a single builder's finishes
- Anyone counting on a quick flip in a market that has softened over the past year
- Buyers who want shared community amenities, which are not identified here
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($300K) IS the median in the snapshot above, and the move from 2025 ($325K) IS the -7.7% one-year change.
Windows contain 32 to 124 sales each (56 in the current window); every figure carries its sample size. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
18% of homes for sale in Lynn Haven are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-18).
Lynn Haven Market Scorecard
Lynn Haven is currently a balanced market., a median asking price of $364,000, and homes go under contract in about 56 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Lynn Haven on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.
The Lynn Haven buying strategy.
If we were buying in Lynn Haven today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Lynn Haven.
Buying condition, not a floor plan
Because the housing stock runs from 1900 through 2024, this is not a place where you shop a single builder's spec sheet. The median living area is around 1,928 square feet, which is a genuinely usable mid-size home, but the age range means mechanical systems, roofs, and additions vary enormously from one address to the next. Inspection findings, not curb appeal, will decide whether a given house is a fair deal at its asking price.
The longer arc is worth understanding: values are up 132% since 2012, which tells you this has been a durable market over time, even though the last year has softened by 5.9%. No MLS-identified shared amenities carry this community, so location, lot, and the individual home have to do the work. That puts the burden of value squarely on the property itself.
The location and the amenities are priced into every listing in Lynn Haven. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Lynn Haven buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.7). Basis: Long-Term Appreciation +131% since 2012; Recent Direction -7.7% year-over-year; Owner Commitment 68% owner-occupied; Pricing Power 96.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A market this varied in age and condition rewards someone who reads the individual house, not the headline median. We underwrite each listing on its own bones — systems, roof, additions, renovation history — and use the current soft, negotiable posture to press for repairs and terms. When a home is overpriced for its condition, we say so, and we help sellers price to what the house actually is rather than to the number they wish it carried.
Lynn Haven in 15 seconds.
What it really costs to own in Lynn Haven
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,508/yr across 50 listings here (MLS tax records, 2026-10-18). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 18 listing addresses checked against the FEMA flood map, 72% sit outside the high-risk zone and 28% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1976 across 56 listings. An original roof here would be about 50 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Lynn Haven
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Lynn Haven
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Lynn Haven will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 18 sampled listing addresses in this community: 72% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 22% in an A-series Special Flood Hazard Area zone; 6% in a V-series coastal high-hazard zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=18) · as of 2026-10
Tools for a Lynn Haven buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Lynn Haven sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lynn Haven, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lynn Haven home worth?
Get a no-obligation home value based on real comparable sales in Lynn Haven, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Lynn Haven on the map →
Recently off market in Lynn Haven
Homes in Lynn Haven that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 12 on record.
- 1114 Wyoming Avenue · off market
- 1205 Vermont Avenue · off market
- 1212 Arkansas Avenue · off market
- 1302 Wyoming Avenue · off market
- 1417 Wisconsin Avenue · off market
- 1501 Alabama Avenue · off market
- 1505 Maryland Avenue · off market
- 1520 Kentucky Avenue · off market
| Location | Lynn Haven, Bay County, FL · ZIP 32404, 32408, 32444 |
|---|---|
| Homes in the community | 530 (FL DOR 2025 assessment roll) |
| Years built | 1911–2024 (median 1979.0) |
| Typical living area | 1,769 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 96% |
| Sale prices, last 12 months | $299,962 median across 56 closed sales · -7.7% vs the prior 12 months |
| Days on market (closed sales) | 36 median |
| For sale right now | 24 active, 6 pending · median asking $364,000 |
| Owner-occupied (homestead) share | 68% |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Lynn Haven key facts,” movewithmomentum.com/neighborhoods/lynn-haven--bay, data as of September 20, 2026.
Housing distress & ownership in Lynn Haven, Lynn Haven
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Just listed in Lynn Haven
The newest homes for sale in Lynn Haven right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 606 W 10Th Street, Lynn Haven, FL 32444 $139,700 · 1 bd · 2 ba · 2 days on market Courtesy of Jolly Roger Real Estate
- 917 Bradford Circle, Lynn Haven, FL 32444 $545,000 · 6 bd · 6 ba · 4 days on market Courtesy of ERA Neubauer Real Estate Inc
- 812 Tennessee Avenue, Lynn Haven, FL 32444 $195,000 · 3 bd · 2 ba · 6 days on market Courtesy of Counts Real Estate Group Inc
- 809 Carolina Avenue, Lynn Haven, FL 32444 $499,000 · 3 bd · 2 ba · 7 days on market Courtesy of Think Real Estate
- 2614 Paige Circle, Panama City, FL 32405 $355,000 · 4 bd · 3 ba · 17 days on market Courtesy of Coldwell Banker Realty
- 1416 Louisiana Avenue, Lynn Haven, FL 32444 $365,000 · 3 bd · 2 ba · 18 days on market Courtesy of Panhandle Real Estate
Checked against the MLS Oct 18, 2026. All new listings in this market.
More Lynn Haven home searches
Recent Developments in Lynn Haven Bay
Development, infrastructure, retail, and school activity affecting Lynn Haven Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Retail & Dining
Panama City meets Houston developer interested in part of Panama City Mall site
Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.
What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 5 miles south of Lynn Haven Bay.
Source: WJHG - August 2026Development
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The project is about 7 miles south of Lynn Haven Bay, elsewhere in Bay County.
Source: WJHG - August 2026Infrastructure
HCA Florida Gulf Coast Hospital announces $125 million expansion
HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.
What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is about 6 miles south of Lynn Haven Bay.
Source: WJHG - August 2026Infrastructure
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
What it may mean for the marketAdded filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 3 miles east of Lynn Haven Bay.
Source: WJHG - July 2026Civic
Panama City approves 12-month moratorium on AI data centers
Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.
What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The project is about 7 miles south of Lynn Haven Bay, elsewhere in Bay County.
Source: WJHG News Channel 7 - June 2026Development
Panama City commissioners approve Community Development District for 1,800-home neighborhood
Panama City commissioners approved a Community Development District for a planned neighborhood of about 1,800 homes east of John Pitts Road in north Panama City. Under the CDD, road maintenance within the neighborhood stays with the district rather than transferring to the city.
What it may mean for the marketA new large-scale residential district adds housing supply and internally maintained streets to the north Panama City market. The project is about 4 miles southeast of Lynn Haven Bay, elsewhere in Bay County.
Source: WJHG News Channel 7
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Lynn Haven?
How long do homes in Lynn Haven take to sell?
How many homes are in Lynn Haven?
What share of Lynn Haven is owner-occupied?
When were the homes in Lynn Haven built?
Have Lynn Haven home prices gone up?
Who is the best real estate agent for Lynn Haven?
How do I find a top Lynn Haven real estate agent who knows Lynn Haven?
Can Momentum Realty connect me with an agent for Lynn Haven?
Where is Lynn Haven, and what county is it in?
Is Lynn Haven in a flood zone?
Is Lynn Haven a good place to live?
Should you buy in Lynn Haven?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 17, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32404/32408/32444)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (1,235 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
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Nearby Communities
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More on Lynn Haven
- Home values · What homes in Lynn Haven actually sell for