listed Jun 12, 2026 SingleFamilyResidence ▼ Price cut: $80,000 (11/6)
$494,900
4-Bedroom Home in Baywood Shores Est Unit 3

4443 Schooner Lane, Lynn Haven, FL 32444

SingleFamilyResidence in Baywood Shores Est Unit 3, Lynn Haven
Baywood Shores Est Unit 3 · Lynn Haven, FL 32444 · Bay County
Listing data checked against the MLS November 14, 2026 at 8:50 AM ET · rechecked hourly
4Bedrooms
2Bathrooms
1978Year Built
4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Buyer advantage
155 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: CPAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

4443 Schooner Lane in Baywood Shores Est Unit 3, Lynn Haven is listed at $494,900. It has been listed Jun 12, 2026. Listing facts: built in 1978. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • Built 1978 · 48 yrs
  • listed Jun 12, 2026
Listing description

About this home

Renderings to show potential. Welcome to waterfront living in Lynn Haven, where this beautifully remodeled 2,294 sqft all-brick home with 4 beds and 2 baths sits on an oversized double lot with approximately 150 feet of canal frontage and Gulf access. Lovingly renovated by its original owner and built to stand the test of time, this property offers the rare combination of extensive updates, incredible outdoor space, and a waterfront lifestyle that is becoming increasingly difficult to find.

Inside, the home has been thoughtfully renovated with coastal-inspired finishes throughout, sold fully furnished. The completely remodeled kitchen features custom all-plywood shaker cabinetry with soft-close doors and drawers, beautiful butcher block countertops, decorative tile backsplash, under-cabinet lighting, a wine cooler, two Lazy Susan cabinets, updated plumbing, new tile flooring, brand new appliances, and abundance of storage, including a pantry and walk in closet beneath the stairs. An oversized breakfast bar overlooks the water, creating the perfect gathering space for family and guests.

The main level offers multiple living and dining spaces, including a separate dining room, eat-in kitchen, spacious living room with crown molding, shiplap ceilings, and a brick wall with wood-burning fireplace. The primary suite is conveniently located on the first floor and features dual closets and a beautifully renovated private bath with designer tile work and updated vanity. A large laundry room provides additional storage and functionality.

Upstairs, you'll find three generously sized bedrooms, including a second primary-sized bedroom with two oversized seven-foot closets. The remodeled upstairs bathroom features a bidet, new vanity, luxury vinyl plank flooring, comfort-height toilets with soft-close lids, and stylish finishes throughout. The upstairs landing showcases additional shiplap detail, while a dedicated Christmas closet with lighting, multiple storage closets, and a private flex room ideal for an office, hobby room, or guest space provide exceptional versatility.

Throughout the home, brand-new plantation shutters and updated ceiling fans add both style and comfort. The roof was replaced in 2024, the HVAC system is approximately four years old, the water heater is less than five years old, and the septic system has recently been pumped. The home's average electric bill is approximately $110 per month, reflecting its efficiency and careful ownership.

Step outside and enjoy the true highlight of the property. A spacious deck overlooks the canal, providing the perfect setting for morning coffee, evening sunsets, or watching boats pass by on their way to the bay and Gulf waters. The oversized double lot offers endless possibilities, with ample room for a pool, detached garage, workshop, boat storage, RV parking, guest house, or future expansion.

This home is also located on a dead end road with a dog park! The grounds are a gardener's dream, showcasing an extraordinary collection of mature landscaping and fruit-bearing trees, including chocolate mimosa, grapefruit, Meyer lemon, peach, loquat, olive trees, magnolias, palm trees, crepe myrtles, Blue Moon wisteria, azaleas, Japanese camellias, rosemary, lemongrass, and rose bushes. With Gulf access, approximately 150 feet of canal frontage, extensive renovations, and room to create your own private waterfront estate, this is a rare opportunity to own a truly special property in one of Lynn Haven's most desirable waterfront locations.

Furniture conveys with the home, offering the potential for a move-in-ready waterfront retreat. This home can be short term rented. Please note, the property appraiser site does not have the home's correct sqft or bedroom count but the info has been verified by a licensed residential appraiser and your Realtor has access to that document for review.

Please verify if important. Some photos altered to show potential.

All 65 photos

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Description provided by Beach House Sales and Development and reproduced from the MLS; not independently verified.

Listing courtesy of Beach House Sales and Development · Listing agent: Beth Mulvey · 850-919-3500Provided via the Central Panhandle Association of REALTORS® Internet Data Exchange · Source: Central Panhandle Association of REALTORS® · © 2026 Central Panhandle Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
How it stacks up

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 Baywood Shores Est Unit 3. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

Property facts & sources

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

List price$494,900
Bed / bath4 / 2
Year built1978
Property typeSingleFamilyResidence
MLS #791098
Listing statuslisted Jun 12, 2026

Public records & third-party data

FEMA flood zoneZone AE
Ground elevation~6 ft
CountyBay
Area listings6 active · 2 under contract
Estimated first-year tax~$5,450/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Estimated monthly payment$3,386
Insurance (illustrative)$2k–$4k/yr

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$3,386/mo
  • Principal & interest $2,663/mo 79%
  • Taxes $454/mo 13%
  • Insurance $268/mo 8%

$3,386/mo at 20% down, 30-yr @ 7.11% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$5,450/yr
≈ $454/mo·effective rate ~1.10%
Estimate: asking price less the $50,000 homestead exemption × Bay County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️

Property 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.

Current owner’s estimated bill $1,850/yr ($154/mo) — taxable value $151,535 × 12.28 mills
$3,600 more each year
(+195%)

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.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$231,658
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$383,193
Market value
$202,257
Assessed
$151,535
Taxable

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 4443 Schooner Lane

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 taxThe current owner's bill is about $1,850/yr (certified county roll, taxable value × millage). Buy at the asking price of $494,900 and the first-year bill resets to about $5,450/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.
Home and flood insuranceThe 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 $2,500–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 1978. An original roof would be about 48 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 ask for the roof permit date.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
Not reported

The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone AE

From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.

Ground elevation
~6 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

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)
Hazard risk

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.

HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low

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
Connectivity

Internet & broadband

Fiber
Check availability

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
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Property timeline

This home’s history

  • 1978BuiltPer public record
  • About Jun 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jun 12, 2026)
  • Aug 4, 2026First seen on our siteObserved at $649,900
  • Sep 10, 2026Price cut$574,900 (-$75,000, -11.5%)
  • Nov 6, 2026Price cut$494,900 (-$80,000, -13.9%)
  • NowActiveCurrently for sale

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.

Transparency

Price & listing history

Listed for $494,900Beach House Sales and Development · listed Jun 12, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Research

The Momentum read

81% of homes in Baywood Shores Estates are owner-occupied. An estimated 19% are non-owner-occupied, including 4% held in a company or trust and 4% 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), 126 homes matched. Community-level context.

What’s unique here: one of only 6 active listings in Baywood Shores Estates, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Checked against the MLS November 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Beach House Sales and Development · MLS # 791098

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Go deeper

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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

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.

School zoningThis address is in the Bay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 4443 Schooner Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • Confirm whether a mandatory HOA applies to this parcel and what it charges.
  • FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
  • 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 $5,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,600 more per year than the current owner’s estimated bill (+195%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordCPAR, checked against the MLS hourly (last: November 14, 2026)
Comparable salesComparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone AE shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 4443 Schooner Lane and when was it built?

Per the listing record, 4443 Schooner Lane was built in 1978 and has 4 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 4443 Schooner Lane in?

4443 Schooner Lane is in Baywood Shores Est Unit 3 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.

Why might property taxes on 4443 Schooner Lane differ from the current owner's?

The estimate on this page (about $5,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,600 more per year than the current owner’s estimated bill (+195%). 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 4443 Schooner Lane in a flood zone?

The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.

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.

Ready when you are

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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.