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112 Cottonwood Cir, Lynn Haven, FL, 32444

4beds
3baths
3,928sqft
$600,000
$153price/sqft
$4,786/moest. monthly cost
$191,440/yrincome needed

About This Home

Welcome to 112 Cottonwood Circle, a beautifully renovated home in the heart of Lynn Haven offering a rare 3 car garage and a spacious lot. This move-in-ready property has been thoughtfully updated with new flooring, fresh paint, new baseboards, a fully renovated kitchen, and updated bathrooms. The working sprinkler system keeps the grounds lush, while all windows have been re-paned and sealed for efficiency. The 2019 roof provides peace of mind for years to come. Centrally located near top-rated schools, shopping, parks, and dining, this home blends modern updates with everyday convenience. Don't miss the opportunity to own a fully updated home with exceptional features and financing options that make it even more attainable, schedule your showing today!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
5/10
Mowat Middle SchoolGrades 6-80.8 mi
6/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Stucco

Type & Style

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

Interior

Bedroom

  • Level: Second
  • Dimensions: 13 x 14

Bedroom

  • Level: Second
  • Dimensions: 13 x 16

Bedroom

  • Level: Second
  • Dimensions: 13 x 16

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Double Vanity,Jetted Tub,Separate Shower,Upper Level Primary,Walk-In Closet(s)

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,928
  • Total interior livable area: 3,928 sqft

Master Bedroom

  • Level: Second
  • Dimensions: 14 x 20

Property

Details

  • Parcel number: 11822650200
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Patio & porch: Deck,Covered,Patio
  • Exterior features: Covered Patio
  • Has spa: Yes

Lot

  • Lot size: 0.34 Acres
  • Features: Sprinkler System
  • Lot size dimensions: 165 x 91

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $3,033$36,396
Home Insurance *$658$7,896
Property Taxes $700$8,400
Electricity $395$4,743
Total$4,786$57,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,091/yr
40% on housing$143,580/yr
45% on housing$127,626/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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 32444$217
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)

No zestimate history available

Price History

DateEventPrice
2026-07-29Listed for sale$600,000
2026-02-27Listing removed$600,000
2025-08-14Listed for sale$600,000
2025-08-11Listing removed$3,000
2025-07-26Listed for rent$3,000
2025-07-21Listing removed--
2025-07-16Price change$629,900
2025-05-05Price change$679,700
2025-03-20Listed for sale$699,700
2000-01-18Sold$230,400

For Sale by Agent

AgentZachary T Murzyn
BrokerageSecure Real Estate

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