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3707 Bay Tree Rd, Lynn Haven, FL, 32444

5beds
2baths
2,043sqft
$350,000
$171price/sqft
$2,765/moest. monthly cost
$110,600/yrincome needed

About This Home

This spacious home is located in the wonderful subdivision of The Hammocks, centrally located to shopping and dining and this subdivision has just recently renovated the community pool. The home features vaulted ceilings, an open floor plan concept, tray ceiling in the master bedroom, huge soaking tub, brand new water heater and more. The converted garage created the 5th bedroom, yet still allows enough storage area to be practical. The 5th bedroom has a barn door on the closet entry and its own mini split heat and air system and would serve nicely as a 5th bedroom or easily convert to a mother-in-law suite since the water heater is accessible in that room. The fully fenced backyard boasts a beautiful vinyl white fence as well as covered patio area to enjoy a nice morning or evening relaxation time. Call for an appointment to view!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

2/10
4/10
Mowat Middle SchoolGrades 6-82.0 mi
6/10

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Shingle
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 13 x 15

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 13.25 x 10

Family Room

  • Level: First
  • Dimensions: 23.5 x 17

Features

  • Coffered Ceiling(s)

Heating & Cooling

  • Heating features: Central,Ductless
  • Cooling features: Central Air,Ductless

Interior Area

  • Total structure area: 2,043
  • Total interior livable area: 2,043 sqft

Kitchen

  • Level: First
  • Dimensions: 13.75 x 12

Master Bedroom

  • Level: First
  • Dimensions: 16 x 15

Property

Details

  • Parcel number: 11849764000
  • On leased land: Yes
  • Special condition: Listed As-Is

Features

  • Pool features: Community
  • Patio & porch: Covered,Porch
  • Fencing: Full,Fenced

Lot

  • Lot size: 9,147 sqft
  • Features: Sprinkler System
  • Lot size dimensions: 77.85 x 120

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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
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 $1,769$21,228
Home Insurance *$384$4,608
Property Taxes $407$4,884
Electricity $205$2,467
Total$2,765$33,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,800/yr
40% on housing$82,950/yr
45% on housing$73,733/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

$171This 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)

Price History

DateEventPrice
2026-05-11Price change$350,000
2026-05-05Price change$355,000
2026-02-10Price change$395,000
2026-01-30Listed for sale$399,000
2025-07-23Listing removed$2,200
2025-07-16Listing removed$330,000
2025-07-15Listed for rent$2,200
2025-06-30Price change$330,000
2025-06-26Price change$343,000
2025-05-12Price change$345,000
2025-05-07Price change$355,000
2025-04-30Listing removed$2,700
2025-04-27Price change$360,000
2025-04-02Price change$2,700
2025-04-02Price change$365,000
2025-03-05Price change$2,900
2025-03-05Price change$414,900
2025-02-07Price change$3,000
2025-02-07Price change$424,900
2024-12-15Listed for rent$3,100
2024-09-06Listing removed$2,300
2024-08-19Listing removed$389,900
2024-08-16Listed for sale$389,900
2024-08-15Listed for rent$2,300
2022-02-15Sold$340,000
2019-02-15Sold$267,500
2010-03-31Sold$209,900
2005-02-16Sold$274,800
2004-07-01Sold$36,000

For Sale by Agent

AgentBarb J Hoyt
BrokerageInvestors Advantage RE

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