16 Trout Cir, Freeport, FL 32439 Property Records

Walton County property record for 16 Trout Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,320 sqft · built 1985
Lot Size	0.383 acres (16,727 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jul 2023)
Tax Bill	$1,264 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24120-000-0010`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24120-000-0010`
Alternative APN	`1002481`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,800 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,727 sqft (0.383 acres)
Lot Dimensions	17.1 ft deep x 9.8 ft wide
Porch	Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002481
Street Address	16 TROUT CIR
City	FREEPORT
State	FL
Zip	32439-6511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEING LOT 1 BLACK CREEK PARC UNREC S/D DESC AS: COM @ THE NW/C OF THE SE1/4 OF NE1/4 OF SEC 02; N 88 DEG 30'03E ALONG FORTY
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BLACK CREEK PARC
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1041
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
Mailing Address	1050 N COUNTY HIGHWAY 393, SANTA ROSA BEACH, FL 32459-6248
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Sep 2, 2003 · Amount on Record
Deed Document Number	20230027202
Deed Book / Page	3297 / 2010
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 31, 2023
Property Address	16 TROUT CIR, FREEPORT, FL 32439-6511
Document Number	0032972010
Book / Page	3297 / 2010
Instrument Date	Jul 28, 2023
Instrument	20230027202
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 TROUT CIR, FREEPORT, FL 32439-6511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 N COUNTY HIGHWAY 393, SANTA ROSA BEACH, FL 32459-6248

Mortgage

Document Number	0032972012
Date	Jul 31, 2023
Instrument	3297/2012

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0032972036
Date	Jul 31, 2023
Book Page	3297/2036
Instrument	20230027204

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	16 TROUT CIR, FREEPORT, FL 32439-6511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031114552
Date	Jul 17, 2019
Book Page	3111/4552
Instrument	20190023959

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

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		$141,000 (+77.45%) Land $31,250 Building $109,750	$141,000 (+77.45%) Land $31,250 Building $109,750
2024	$1,264.00 (+332.88%)
2023	$292.00 Homeowner's exemption	$79,459 (+8.33%) Land $11,919 Building $67,540	$79,459 (+8.33%) Land $11,919 Building $67,540
2022	$292.00 Homeowner's exemption	$73,351 Land $13,230 Building $60,121	$73,351 Land $13,230 Building $60,121

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 500 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 61% 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.

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 232 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, Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Trout Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures