105 Forest Hbr, Freeport, FL 32439 Property Records

Walton County property record for 105 Forest Hbr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,773 sqft · built 2021
Lot Size	1.19 acres (51,889 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (May 2019)
Tax Bill	$6,218 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-1S-19-23010-000-0950`

Property Details

APN / Parcel Number

Primary APN	`30-1S-19-23010-000-0950`
Alternative APN	`1066226`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,773 sqft Living Area
Gross Area	5,710 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	51,889 sqft (1.19 acres)
Lot Dimensions	40 ft deep x 11.9 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1066226
Street Address	105 FOREST HBR
City	FREEPORT
State	FL
Zip	32439-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 95 & 96 BAY HARBOUR S/D PB 12-26 AMENDED PB 13-13
Legal Range	19W
Legal Township	01S
Legal Section	30
Legal Subdivision	BAY HARBOUR S/D
Legal Lot Number	95-96
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2068
Census Tract	950502

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	2 Individual Names on Record
Mailing Address	105 FOREST HBR, FREEPORT, FL 32439-2906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · VA Mortgage PROGRESS BANK & TRUST
Nov 25, 2020	Deed of Trust, Mortgage PROGRESS BK&TR
May 29, 2020	Loan Modification, Mortgage PNB CMNTY BK
May 16, 2019	Warranty Deed, Transfer · Construction Mortgage PNB CMNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Deed Document Number	20190015792
Deed Book / Page	3105 / 3241
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	105 FOREST HBR, FREEPORT, FL 32439-2906
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 PETERS CT, FREEPORT, FL 32439-6645
Investor	Possibly a Property Investor

Mortgage

Document Number	0032264332
Date	Nov 24, 2021
Book Page	3226/4332
Instrument	20210058432

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	105 FOREST HBR, FREEPORT, FL 32439-2906
Document Number	0031704442
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	79 NELLY ST FREEPORT FL 324397616, FREEPORT, FL 32439-7616

Mortgage

Document Number	0031704442
Date	Nov 25, 2020
Book Page	003170/004442
Instrument	48620

Lender

Name	PROGRESS BK&TR
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	105 FOREST HBR, FREEPORT, FL 32439-2906
Document Number	0031483988
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0031483988
Date	Jul 2, 2020
Book Page	003148/003988
Instrument	23217

Lender

Name	PNB CMNTY BK

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 1, 2025

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 16, 2019
Property Address	105 FOREST HBR, FREEPORT, FL 32439-2906
Document Number	0031053241
Book / Page	003105 / 003241
Instrument Date	May 13, 2019
Instrument	15792
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	68 WOODWIND WAY FREEPORT FL 324392278, FREEPORT, FL 32439-2278

Mortgage

Document Number	31053242
Date	May 16, 2019
Book Page	003105/003242
Instrument	15793

Lender

Name	PNB CMNTY BANK
Address	1020 JOHN SIMS PKWY E, NICEVILLE, FL 32578-2202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 15, 2020

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		$772,876 (-4.6%) Land $150,000 Building $622,876	$772,876 (-4.6%) Land $150,000 Building $622,876
2024	$6,218.00 (+3.03%)
2023	$6,035.00 (+0.48%) Homeowner's exemption	$810,159 (+9.08%) Land $137,800 Building $672,359	$810,159 (+9.08%) Land $137,800 Building $672,359
2022	$6,006.00 Homeowner's exemption	$742,733 Land $152,958 Building $589,775	$742,733 Land $152,958 Building $589,775

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Sally, Sep 2020 · 12 claims Hurricane Frances, Sep 2004 · 18 claims Hurricane Opal, Oct 1995 · 13 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 69% of the US · above 50% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Wildstar Networks.

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