The story of this market
The typical home in ZIP 32444 sells for about $370,000, or $215 per square foot.
Prices are roughly flat from a year ago (0%), a market in balance. Homes take about 44 days to sell. HUD's fair market rent for a two-bedroom is $1,474 a month.
ZIP 32444 — Lynn Haven
Lynn Haven functions as a distinct, year-round residential market compared to the neighboring beach-focused areas. The market is characterized by steady demand with homes moving in 44 days and selling at 98% of list price. It remains a primary choice for local residents rather than seasonal visitors.
This area is well-suited for year-round residents and families who prefer a traditional town environment over the transient nature of the nearby beach markets.
Median prices moved sideways 0.0% year over year.
Homes spend a median of 44 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 6.5% — a stable, low-distress profile.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 32444, Bay County FL
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Lynn Haven is located north of St. Andrews Bay, approximately forty minutes from the beach and a few minutes from Panama City.
The area features a residential, small-town environment with proximity to North Bay and local community amenities.
Approximately 43% of listings in the area are marked as rental-allowed, though short-term rental permissions are subject to individual HOA and deed restrictions.
The local economy is driven by its status as a residential community for the broader Panama City metropolitan area.
Data not available in current ACS extracts for this specific ZCTA.
The ZIP sits at the top of North Bay, providing local water access.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.