177 Sun Bear Cir, Freeport, FL 32439 Property Records

Walton County property record for 177 Sun Bear Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,431 sqft · built 2019
Lot Size	0.241 acres (10,538 sqft)
Owner	Individual Name on Record
Last Sale	$449,000 (Sep 2021)
Tax Bill	$3,535 (2024)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24310-000-0170`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24310-000-0170`
Alternative APN	`1002820`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,431 sqft Living Area
Gross Area	3,579 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,538 sqft (0.241 acres)
Lot Dimensions	15 ft deep x 5.5 ft wide
Garage Type	Finished
Garage Area	585 sqft
Porch	Porch
Porch Area	555 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002820
Street Address	177 SUN BEAR CIR
City	FREEPORT
State	FL
Zip	32439-4693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BEAR CREEK COTTAGES 1ST ADD PB 17-5 OR 3006-4176 OR 3216-2426
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
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
Co-owner	Co-owner on Record
Mailing Address	177 SUN BEAR CIR, FREEPORT, FL 32439-4693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Dec 17, 2020	Deed of Trust, Mortgage FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Apr 12, 2016
Deed Document Number	20210046459
Deed Book / Page	3216 / 2426
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	177 SUN BEAR CIR, FREEPORT, FL 32439-4693
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 SUN BEAR CIR, FREEPORT, FL 32439-4693
Investor	Possibly a Property Investor

Mortgage

Document Number	0033053485
Date	Oct 23, 2023
Book Page	3305/3485
Instrument	20230038171

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 17, 2021
Property Address	177 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0032162426
Book / Page	3216 / 2426
Map Reference	MB 17 PG 5
Instrument Date	Sep 15, 2021
Instrument	20210046459
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1316 MADISON AVE, 1316, NEW YORK, NY 10128-1303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 SUN BEAR CIR, FREEPORT, FL 32439-4693

Mortgage

Document Number	0032162428
Date	Sep 17, 2021
Instrument	3216/2428

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Feb 25, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	177 SUN BEAR CIR, FREEPORT, FL 32439-4693
Document Number	0031742965
Instrument Date	Dec 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1316 MADISON AVE NEW YORK NY 101281303, NEW YORK, NY 10128-1303

Mortgage

Document Number	0031742965
Date	Dec 21, 2020
Book Page	003174/002965
Instrument	52704

Lender

Name	FIRST BK
Type	Bank
Address	PO BOX 1830, COVINGTON, LA 70434-1830

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Dec 20, 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		$478,164 (+9.37%) Land $80,850 Building $397,314	$478,164 (+9.37%) Land $80,850 Building $397,314
2024	$3,535.00 (+3.94%)
2023	$3,401.00 (-9.09%) Homeowner's exemption	$437,181 (+1.82%) Land $67,725 Building $369,456	$437,181 (+1.82%) Land $67,725 Building $369,456
2022	$3,741.00	$429,365 Land $65,150 Building $364,215	$429,365 Land $65,150 Building $364,215

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 A, within 100 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 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.

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 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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