161 Mill Pond Cv, Freeport, FL 32439 Property Records

Walton County property record for 161 Mill Pond Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,917 sqft · built 2021
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on File
Last Sale	$444,500 (May 2021)
Tax Bill	$6,687 (2025)
Deeds & Mortgages	Jul 2025 Transfer May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23210-000-0780`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23210-000-0780`
Alternative APN	`18-119-23210-000-0780`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,917 sqft Living Area
Gross Area	3,694 sqft
1st Floor Area	2,150 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	140 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	541 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	161 MILL POND CV
City	FREEPORT
State	FL
Zip	32439-7650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 78 BUXTONS MILL AT HAMMOCK BAY PB 21-23 OR 3120-2746 OR 3132-464 OR 3199-955 OR 3363-4475
Legal Range	019
Legal Township	01S
Legal Section	18
Legal Subdivision	HAMMOCK BAY
Legal Block	7
Legal Lot Number	78
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2065
Census Tract	950502

Owner

161 Mill Pond Cv is owned and occupied by two individuals who acquired it in May 2025.

Source: Walton County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	161 MILL POND CV, FREEPORT, FL 32439-7650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jul 8, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 24, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 4, 2020	Grant Deed, Transfer FIRST INT'L TITLE
Jan 31, 2020	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2021 · Amount on File
Deed Sale	May 24, 2021 · Amount on File
Prior Sale	Feb 4, 2020 · Amount on File
Deed Document Number	202125805
Deed Book / Page	3199 / 955
Last Transfer Date	May 28, 2025
Transfer Doc	0033634475
Record Updated	Jun 8, 2026

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 8, 2025
Property Address	161 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0033634475
Book / Page	3363 / 4475
Map Reference	MB 21 PG 23
Instrument Date	May 28, 2025
Instrument	20250023906
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 MILL POND CV, FREEPORT, FL 32439-7650

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	161 MILL POND CV, FREEPORT, FL 32439-7650

May 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 24, 2021
Property Address	161 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031990955
Book / Page	3199 / 955
Map Reference	MB 21 PG 23
Instrument Date	May 14, 2021
Instrument	20210025805
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, SENTINEL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,111.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29891 WOODROW LN STE 100, 100, SPANISH FORT, AL 36527-8774

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003199957
Date	May 24, 2021
Instrument	3199/957

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Feb 4, 2020
Property Address	161 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031320464
Book / Page	003132 / 000464
Instrument Date	Jan 31, 2020
Instrument	3819
Transaction Type	Transfer
Record Updated	Feb 27, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$2,611.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29891 WOODROW LN #100 SPANISH FORT AL 365278774, 100, SPANISH FORT, AL 36527-8774
Investor	Possibly a Property Investor

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	161 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031320468
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	FIRST INT'L TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	0031320468
Date	Feb 4, 2020
Book Page	003132/000468
Instrument	3821

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 161 Mill Pond Cv was $6,687, down 1.2% from the year before.

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Municipality	Freeport City
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,687.00 (-1.23%)	$569,700	$626,830 Land $57,750 Building $569,080
2024	$6,770.00 (+3.9%)
2023	$6,516.00 (+19.67%) Homeowner's exemption	$570,873 (+23.64%) Land $57,750 Building $513,123	$570,873 (+23.64%) Land $57,750 Building $513,123
2022	$5,445.00 Homeowner's exemption	$461,725 Land $64,102 Building $397,623	$461,725 Land $64,102 Building $397,623

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

Flood

FEMA maps place 161 Mill Pond Cv in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1989.

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
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 161 Mill Pond Cv is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% 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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, Cox Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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