109 Sun Bear Cir, Freeport, FL 32439 Property Records

Walton County property record for 109 Sun Bear Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,030 sqft · built 2021
Lot Size	0.225 acres (9,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$488,000 (Jul 2021)
Tax Bill	$3,577 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`02-2S-19-24310-000-0100`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24310-000-0100`
Alternative APNs	`02-219-24310-000-0100` `1002813`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,030 sqft Living Area
Gross Area	3,076 sqft
1st Floor Area	1,797 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	9,795 sqft (0.225 acres)
Lot Dimensions	142 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	521 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 SUN BEAR CIR
City	FREEPORT
State	FL
Zip	32439-4693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 10 BEAR CREEK COTTAGES 1ST ADDITION PB 17-5 OR 2695-3844 OR 3102-1203 OR 3207-2199
Legal Range	019
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK
Legal Block	1
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
Census Tract	950501

Owner

Source: Walton County records, as of October 5, 2026

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	7861 W 51ST AVE, C, ARVADA, CO 80002-4525
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Feb 24, 2020	Deed of Trust, Mortgage COMMUNITY BK/MS
Apr 11, 2019	Warranty Deed, Transfer RODGERS-KIEFER TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	Apr 11, 2019 · Amount on Record
Deed Document Number	202135668
Deed Book / Page	3207 / 2199
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 15, 2021
Property Address	109 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0032072199
Book / Page	3207 / 2199
Map Reference	MB 17 PG 5A-5C
Instrument Date	Jul 12, 2021
Instrument	20210035668
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,416.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1231 BAY DR, 1231, SANTA ROSA BEACH, FL 32459-5583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7861 W 51ST AVE UNIT C, C, ARVADA, CO 80002-4525

Mortgage

Document Number	0032072201
Date	Jul 15, 2021
Instrument	3207/2201

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	109 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0031340860
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1231 COUNTY HIGHWAY 283 S SANTA ROSA BEACH FL 324595719, SANTA ROSA BEACH, FL 32459-5719

Mortgage

Document Number	0031340860
Date	Feb 24, 2020
Book Page	003134/000860
Instrument	6630

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 11, 2019
Property Address	109 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0031021203
Book / Page	003102 / 001203
Instrument Date	Apr 10, 2019
Instrument	11247
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	RODGERS-KIEFER TITLE

Transaction

Amount	Amount Recorded
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1231 COUNTY ROAD 283 S SANTA ROSA BEACH FL 32459, SANTA ROSA BEACH, FL 32459

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$3,577.00 (-2.51%)	$424,937 (+10.24%) Land $80,850 Building $344,087	$424,937 (+10.24%) Land $80,850 Building $344,087
2024	$3,669.00 (+11.83%)
2023	$3,281.00 (-0.76%)	$385,469 (+1.84%) Land $67,725 Building $317,744	$385,469 (+1.84%) Land $67,725 Building $317,744
2022	$3,306.00	$378,487 Land $65,150 Building $313,337	$378,487 Land $65,150 Building $313,337

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 60% of the US · lower than 65% 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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