3017 Osprey Circle, Lynn Haven, FL 32444
3017 Osprey Circle in Osprey Cove, Lynn Haven is listed at $525,000. That is 28% below Osprey Cove's median closed sale of $726,000 over the last 12 months (3 recorded sales). It has been listed Oct 23, 2026, well inside the community's typical 92 days. Listing facts: built in 2015, HOA dues of $28/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2015 · 11 yrs
- listed Oct 23, 2026
- HOA $28/mo (per listing)
About this home
Located in Osprey Cove, one of Lynn Haven's most sought-after communities, this custom five-bedroom, four-bath home is thoughtfully designed for generous everyday living and effortless entertaining, pairing an expansive floor plan with quality craftsmanship and a host of energy-efficient features. Originally built as a Parade of Homes display home by an award-winning custom builder, the residence offers substantial living space across a versatile layout featuring four bedrooms and three full bathrooms on the first floor, along with an additional bedroom and full bathroom on the second floor. A custom mahogany front door with stained-glass detailing creates a distinctive first impression, opening to a light-filled main level with 10-foot ceilings and faux wood tile flooring throughout the principal living areas.
Abundant natural light fills the home, creating a bright and welcoming atmosphere throughout. At the center of the home, the great room is anchored by an electric fireplace and flows naturally into the kitchen and breakfast area, creating an inviting setting for both casual gatherings and larger occasions. The kitchen combines function with enduring finishes, featuring granite countertops, custom wood cabinetry, stainless steel Energy Star appliances, a glass tile backsplash, a center island with bar seating and a separate pantry for additional storage.
An adjoining breakfast area offers space for casual dining, while the separate dining room provides a dedicated setting for entertaining. Designed with privacy in mind, the split-bedroom floor plan places the primary suite apart from the secondary bedrooms. The primary bathroom includes dual vanities, custom cabinetry, granite countertops, a tiled shower, separate garden tub, spacious walk-in closet and a private water closet for added convenience.
Secondary bathrooms continue the home's cohesive finishes with custom cabinetry, granite surfaces, tile flooring and tiled tub or shower surrounds. The second floor features a fifth bedroom with a full bathroom, offering additional flexibility for guests or extended family. Extending the living space outdoors, the covered rear porch overlooks a peaceful wooded backdrop, with mature trees directly behind the property providing a natural sense of privacy.
This inviting setting offers a quiet retreat for enjoying morning coffee, relaxing outdoors or entertaining guests. Energy-conscious construction adds another dimension to the home's thoughtful design. Icynene spray foam insulation in the attic, R-19 blown fiberglass insulation in exterior walls, double-pane vinyl windows with Low-E glass, a high-efficiency heat pump water heater and 14 SEER HVAC system were incorporated to enhance efficiency and comfort.
Soundproofing insulation between bedrooms and baths adds privacy, while low-volume toilets further support the home's original EarthCents energy-efficient design. Practical details are equally well considered, including a dedicated laundry room featuring custom cabinetry, a utility sink and an additional storage closet conveniently tucked beneath the staircase and accessible from the laundry room. A two-car garage and fully landscaped yard with an automatic irrigation system and separate irrigation meter further enhance the home's everyday functionality.
Positioned in the heart of Lynn Haven, the property offers convenient access to shopping, dining, nearby hospitals, everyday services and area schools. With its custom craftsmanship, spacious five-bedroom layout, abundant natural light, energy-conscious construction and private wooded backdrop, this Osprey Cove residence offers enduring comfort and functionality inside and out. The kitchen combines function with enduring finishes, featuring granite countertops, custom wood cabinetry, stainless steel Energy Star appliances, a glass tile backsplash, a center island with bar seating and a separate pantry for additional storage.
An adjoining breakfast area off…
All 52 photos
Description provided by Scenic Sotheby's International Realty and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Osprey Cove. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,862/mo 81%
- Taxes $485/mo 14%
- Insurance $178/mo 5%
- HOA $28/mo 1%
$3,554/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3017 Osprey Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $3,525/yr (certified county roll, taxable value × millage). Buy at the asking price of $525,000 and the first-year bill resets to about $5,825/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.28 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $28/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| 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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. |
| Roof and age | Built in 2015. An original roof is about 11 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $674/month (tax $485, HOA $28, insurance $161). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2015BuiltPer public record
- Oct 15, 2026First seen on movewithmomentum.comObserved at $525,000
- NowPendingSale pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
62/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 3 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
67% of homes in Osprey Cove are owner-occupied. An estimated 33% are non-owner-occupied, including 26% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 21 homes matched. Community-level context.
Recent Osprey Cove sales closed near 95.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of CPAR records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Osprey Cove, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Scenic Sotheby's International Realty · MLS # 796575
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Similar homes for sale near Osprey Cove
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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Recently off market in Osprey Cove
- 3001 Osprey Circle · last listed $575,000 · 2026-09-23
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Osprey Cove
Go deeper on Osprey Cove
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the Osprey Cove guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 3017 Osprey Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $28/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,825/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,300 more per year than the current owner’s estimated bill (+65%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 5, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3017 Osprey Circle and when was it built?
Per the listing record, 3017 Osprey Circle was built in 2015 and has 5 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3017 Osprey Circle in?
3017 Osprey Circle is in Osprey Cove in Lynn Haven, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3017 Osprey Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $28 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3017 Osprey Circle differ from the current owner's?
The estimate on this page (about $5,825 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,300 more per year than the current owner’s estimated bill (+65%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3017 Osprey Circle in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3017 Osprey Circle in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.