131 Forest Hbr, Freeport, FL 32439 Property Records

Walton County property record for 131 Forest Hbr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,846 sqft · built 2021
Lot Size	0.59 acres (25,725 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Dec 2021)
Tax Bill	$3,667 (2024)
Deeds & Mortgages	Aug 2020 Construction Loan Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-1S-19-23010-000-0930`

Property Details

APN / Parcel Number

Primary APN	`30-1S-19-23010-000-0930`
Alternative APN	`1066224`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,829 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	25,725 sqft (0.59 acres)
Lot Dimensions	20.5 ft deep x 8.2 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1066224
Street Address	131 FOREST HBR
City	FREEPORT
State	FL
Zip	32439-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 93 AMENDED PLAT OF BAY HARBOUR PB 13-13
Legal Range	19W
Legal Township	01S
Legal Section	30
Legal Subdivision	BAY HARBOUR S/D
Legal Lot Number	93
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2068
Census Tract	950502

Owner

131 Forest Hbr is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	131 FOREST HBR, FREEPORT, FL 32439-2906
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage · Construction Mortgage GULF COAST BANK & TRUST CO
Dec 6, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 9, 2019	Warranty Deed, Transfer · Conventional Mortgage PNB CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Sep 9, 2019 · Amount on File
Deed Document Number	20210059889
Deed Book / Page	3228 / 683
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	131 FOREST HBR, FREEPORT, FL 32439-2906
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 FANNY ANN WAY, FREEPORT, FL 32439-7638

Mortgage

Document Number	0031562283
Date	Aug 24, 2020
Book Page	3156/2283
Instrument	20200032040

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank
Address	BATON ROUGE, LA 70806

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 6, 2021
Property Address	131 FOREST HBR, FREEPORT, FL 32439-2906
Document Number	0032280683
Book / Page	3228 / 683
Map Reference	MB 13 PG 13-13D
Instrument Date	Dec 1, 2021
Instrument	20210059889
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 COUNTY LINE RD # RD24B, RD24B, TEQUESTA, FL 33469-2262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OAKFIELD DR, FREEPORT, FL 32439-3970

Mortgage

Document Number	0003228685
Date	Dec 6, 2021
Instrument	3228/685

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 9, 2019
Property Address	131 FOREST HBR, FREEPORT, FL 32439-2906
Document Number	0031171679
Book / Page	003117 / 001679
Instrument Date	Sep 9, 2019
Instrument	30998
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 SAN PITRO CIRCE PALM BEACH GARDENS FL 33410, PALM BEACH GARDENS, FL 33410

Mortgage

Document Number	31171681
Date	Sep 9, 2019
Book Page	003117/001681
Instrument	30999

Lender

Name	PNB CMNTY BK
Address	NICEVILLE, FL 32578

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Sep 8, 2022

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		$467,350 Land $75,000 Building $392,350	$467,350 Land $75,000 Building $392,350
2024	$3,667.00 (+19.84%)
2023	$3,060.00 (+0.62%) Homeowner's exemption	$420,093 (+9.23%) Land $68,900 Building $351,193	$420,093 (+9.23%) Land $68,900 Building $351,193
2022	$3,041.00 Homeowner's exemption	$384,608 Land $76,479 Building $308,129	$384,608 Land $76,479 Building $308,129

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

Flood

FEMA maps place 131 Forest Hbr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	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

Wildfire risk around 131 Forest Hbr is moderate, ranking above 69% of the US, with a 0.2% annual chance of 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH BAY WATER SYSTEM serves 3,171 people · EPA ID FL1664019
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

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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