101 Sun Bear Cir, Freeport, FL 32439 Property Records

Walton County property record for 101 Sun Bear Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,038 sqft · built 2024
Lot Size	0.242 acres (10,573 sqft)
Owner	Individual Name on Record
Last Sale	$82,000 (Feb 2023)
Tax Bill	$567 (2024)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24310-000-0090`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24310-000-0090`
Alternative APN	`1002811`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,038 sqft Living Area
Gross Area	3,965 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,573 sqft (0.242 acres)
Lot Dimensions	15.6 ft deep x 4.5 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002811
Street Address	101 SUN BEAR CIR
City	FREEPORT
State	FL
Zip	32439-4693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BEAR CREEK COTTAGES 1ST ADD PB 17-5 OR 2695-2125 OR 3024-3409 OR 3235-3252 OR 3279-4276
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
Census Tract	950501

Owner

Source: Walton County records, as of December 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	101 SUN BEAR CIR, FREEPORT, FL 32439-4693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Feb 7, 2023	Warranty Deed, Transfer MCNEESE TITLE LLC
Jan 24, 2022	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2023 · Amount on Record
Deed Sale	Feb 7, 2023 · Amount on Record
Prior Sale	Jan 24, 2022 · Amount on Record
Deed Document Number	20230004117
Deed Book / Page	3279 / 4276
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	101 SUN BEAR CIR, FREEPORT, FL 32439-4693
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 WAYNE TRL, SANTA ROSA BEACH, FL 32459-5043

Mortgage

Document Number	0033022543
Date	Sep 20, 2023
Book Page	3302/2543
Instrument	20230033910

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	FREEPORT, FL 32439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Oct 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12%
Index	SOFR Average 30-Day
Max Rate	12%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 7, 2023
Property Address	101 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0032794276
Book / Page	3279 / 4276
Map Reference	MB 17 PG 5-5C
Instrument Date	Feb 1, 2023
Instrument	20230004117
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$574.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 692225, ORLANDO, FL 32869-2225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 WAYNE TRL, SANTA ROSA BEACH, FL 32459-5043

January 2022: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	WALTON FL
Recording Date	Jan 24, 2022
Property Address	101 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0032353252
Book / Page	3235 / 3252
Map Reference	MB 17 PG 5
Instrument Date	Jan 24, 2022
Instrument	20220003291
Transaction Type	Foreclosure
Record Updated	Dec 18, 2025

Transaction

Amount	Amount Recorded
Tax	$326.90
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$535,110 (+729.63%) Land $59,500 Building $475,610	$535,110 (+729.63%) Land $59,500 Building $475,610
2024	$567.00 (+5.78%)
2023	$536.00 (+68.55%)	$64,500 (+3.95%) Land $64,500	$64,500 (+3.95%) Land $64,500
2022	$318.00	$62,048 Land $62,048	$62,048 Land $62,048

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	76 (1978–2023)
Claims Outside the SFHA	18 of 76
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 26 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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