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4326 Pine Tree Ln, Lynn Haven, FL, 32444

4beds
3baths
2,217sqft
$399,900
$180price/sqft
$3,171/moest. monthly cost
$126,840/yrincome needed

About This Home

Set on an expansive half-acre homesite, this charming ranch-style residence offers space, comfort, and flexibility with four bedrooms and three full baths. A wide driveway, two-car garage, and a 10-foot gated entry to the backyard provide ample room for vehicles, boats, or recreational storage, while the large yard creates an inviting setting for outdoor gatherings and everyday relaxation. Inside, the home unfolds with a thoughtful layout designed for both entertaining and quiet retreat. The living room is filled with natural light through striking triangular windows and features vaulted ceilings accented by exposed beams, creating an airy, welcoming atmosphere anchored by a cozy fireplace. Adjacent living spaces include a formal dining room for hosting memorable dinners, a casual breakfast nook for everyday meals, and a secluded theatre or entertainment room for private movie nights or game days. The kitchen is both functional and welcoming, featuring wood cabinetry with exterior hinges, Corian countertops, and thoughtful details such as built-in wine bottle storage for up to eighteen bottles. A breakfast bar seats three, while the built-in desk area offers a convenient spot for organizing daily tasks or managing household routines. Appliances include a GE refrigerator, microwave, and oven, along with a Frigidaire dishwasher. Flooring throughout the home balances warmth and durability with wood floors in the bedrooms and office and tile in the main living areas. The layout provides flexibility for families, remote work, or guests while maintaining comfortable separation between shared and private spaces. Outdoors, the property's generous backyard features mature sycamore, sweet gum, and cypress trees that provide shade and character. An irrigation system helps maintain the landscaping while the brick exterior, metal roof, and newer windows contribute to long-term durability and ease of maintenance. Additional features include a climate-controlled workshop measuring approximately 19.5 by 35 feet, offering exceptional space for hobbies, projects, or storage. Located in the welcoming community of Lynn Haven, this home places you close to parks, local dining, shopping, and some of the area's most loved waterfront spots. Known for its small-town charm and proximity to both Panama City and the bay, Lynn Haven offers a relaxed lifestyle with convenient access to schools, marinas, and everyday amenities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
4/10
Mowat Middle SchoolGrades 6-82.9 mi
6/10

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range

Bedroom

  • Level: First
  • Dimensions: 15 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 10

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,217
  • Total interior livable area: 2,217 sqft

Living Room

  • Level: First
  • Dimensions: 15 x 12

Master Bedroom

  • Level: First
  • Dimensions: 15 x 15

Property

Details

  • Parcel number: 11726225000
  • Special condition: Listed As-Is

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Covered,Porch
  • Exterior features: Patio
  • Fencing: Full,Fenced
  • On waterfront: Yes
  • Waterfront features: Canal Access

Lot

  • Lot size: 0.56 Acres
  • Features: Sprinkler System
  • Lot size dimensions: 110' x 220'

Parking

  • Total spaces: 2
  • Parking features: RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$438$5,256
Property Taxes $488$5,856
Electricity $223$2,677
Total$3,171$38,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,720/yr
40% on housing$95,130/yr
45% on housing$84,560/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 32444$216
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32444$190
Bay County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-11Pending sale$410,000
2026-05-06Price change$410,000
2026-03-12Listed for sale$415,000
2025-05-06Listing removed$2,800
2025-04-08Listing removed$445,000
2025-02-21Price change$445,000
2025-01-30Price change$465,000
2024-12-30Listed for sale$470,000
2024-12-13Listed for rent$2,800
2024-11-01Listing removed$470,000
2024-10-21Price change$480,000
2024-10-08Listed for sale$485,000
2021-04-27Sold$317,000
2021-04-15Pending sale$334,900
2021-03-19Contingent$334,900
2021-03-15Listed for sale$334,900
2007-08-30Sold$257,500

For Sale by Agent

AgentMarc A Miller
BrokerageScenic Sotheby's International Realty

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