Walton County property record for 1011 Bay Hbr, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,881 sqft · built 2021 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $175,000 (Mar 2019) |
| Tax Bill | $8,689 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jul 2020 Construction Loan + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 30-1S-19-23010-000-0010 |
| Primary APN | 30-1S-19-23010-000-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,881 sqft Living Area |
| Gross Area | 8,186 sqft |
| Flooring | Tile |
| Elevator | Elevator |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 214 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 2,881 sqft |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1011 BAY HBR |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BAYN |
| Legal Description | LOT 1 AMENDED PLAT OF BAY HARBOUR PB 13-13 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 30 |
| Legal Subdivision | BAY HARBOUR |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2068 |
| Census Tract | 950502 |
1011 Bay Hbr is owner-occupied and held in a trust since December 2021.
Source: Walton County records, as of December 3, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1011 VAY HARBOUR BLVD, FREEPORT, FL 32439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 3, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jul 9, 2020 | Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK |
| Dec 20, 2021 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 12, 2019 | Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on File |
| Deed Sale | Mar 12, 2019 · Amount on File |
| Prior Sale | Aug 1, 2016 · Amount on File |
| Deed Document Number | 20197268 |
| Deed Book / Page | 3099 / 1523 |
| Last Transfer Date | Dec 15, 2021 |
| Transfer Doc | 0032302291 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 1011 BAY HBR, FREEPORT, FL 32439 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0032544845 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 3254/4845 |
| Instrument | 20220026305 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 26, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 1011 BAY HARBOUR, FREEPORT, FL 32439 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031493893 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 3149/3893 |
| Instrument | 20200024354 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 20, 2021 |
| Property Address | 1011 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0032302291 |
| Book / Page | 3230 / 2291 |
| Map Reference | MB 13 PG 13-13D |
| Instrument Date | Dec 15, 2021 |
| Instrument | 20210062774 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1011 VAY HARBOUR BOULEVARD, FREEPORT, FL 32439 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 12, 2019 |
| Property Address | 1011 BAY HARBOUR, FREEPORT, FL 32439 |
| Document Number | 0030991523 |
| Book / Page | 003099 / 001523 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 7268 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2019 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,225.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 945 SUNNYBROOK DR FLORENCE KY 410429265, FLORENCE, KY 41042-9265 |
The 2025 property tax bill for 1011 Bay Hbr was $8,689 with a homeowner's exemption, up 1.6% from the year before.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,689.00 (+1.61%) Homeowner's exemption | $1,082,691 | $1,238,936 Land $522,500 Building $716,436 |
| 2024 | $8,551.00 (+3.51%) | ||
| 2023 | $8,261.00 (+0.43%) Homeowner's exemption | $1,157,051 (+16.66%) Land $387,500 Building $769,551 | $1,157,051 (+16.66%) Land $387,500 Building $769,551 |
| 2022 | $8,226.00 Homeowner's exemption | $991,779 Land $310,882 Building $680,897 | $991,779 Land $310,882 Building $680,897 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1011 Bay Hbr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 296 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 296 in force |
| Nearby Flood Claims | 56 (1989–2020) |
| Claims Outside the SFHA | 8 of 56 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 1011 Bay Hbr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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