407 Mill Pond Cv, Freeport, FL 32439 Property Records

Walton County property record for 407 Mill Pond Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,367 sqft · built 2023
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$752,500 (Aug 2026)
Tax Bill	$75 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23210-000-0210`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23210-000-0210`
Alternative APN	`18-119-23210-000-0210`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,367 sqft Living Area
Gross Area	3,289 sqft
1st Floor Area	2,367 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	157 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	726 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 MILL POND CV
City	FREEPORT
State	FL
Zip	32439-7694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 21 BUXTONS MILL AT HAMMOCK BAY PB 21-23 OR 3130-179 OR 3233-3630 OR 3288-2451
Legal Range	019
Legal Township	01S
Legal Section	18
Legal Subdivision	HAMMOCK BAY
Legal Block	2
Legal Lot Number	21
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2065
Census Tract	950502

Owner

407 Mill Pond Cv is owned and occupied by an individual who bought it in August 2026.

Source: Walton County records, as of September 9, 2026

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

Owner of Record	Individual Name on File
Mailing Address	407 MILL POND CV, FREEPORT, FL 32439-7694
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION
May 3, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage UNITED COMMUNITY BANK
Jan 6, 2022	Warranty Deed, Transfer UNKNOWN, SENTINEL TITLE LLC
Jan 13, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2026 · Amount on File
Deed Sale	Aug 21, 2026 · Amount on File
Prior Sale	May 3, 2023 · Amount on File
Deed Document Number	202634819
Deed Book / Page	3410 / 1041
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 21, 2026
Property Address	407 MILL POND CV, FREEPORT, FL 32439-7694
Document Number	0000034819
Book / Page	3410 / 1041
Instrument Date	Aug 17, 2026
Instrument	202634819
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	GROUP TITLE INC, LYNX TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532,017.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 MILL POND CV, FREEPORT, FL 32439-7694

Mortgage

Document Number	0000034839,
Date	Aug 21, 2026
Book Page	3410/1148
Instrument	202634839

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 3, 2023
Property Address	407 MILL POND CV, FREEPORT, FL 32439-7694
Document Number	0032882451
Book / Page	3288 / 2451
Map Reference	MB 21 PG 23-27
Instrument Date	May 2, 2023
Instrument	20230015533
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, SENTINEL TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,374.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29891 WOODROW LN, SPANISH FORT, AL 36527-8773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 MILL POND CV, FREEPORT, FL 32439-7694

Mortgage

Document Number	0032882453
Date	May 3, 2023
Instrument	3288/2453

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 6, 2022
Property Address	407 MILL POND CV, FREEPORT, FL 32439-7694
Document Number	0032333630
Book / Page	3233 / 3630
Map Reference	MB 21 PG 23-27
Instrument Date	Dec 30, 2021
Instrument	20220000923
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, SENTINEL TITLE LLC

Transaction

Amount	Amount on Record
Tax	$3,194.80
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	708 MAIN ST, EVANSTON, IL 60202-1702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29891 WOODROW LN, SPANISH FORT, AL 36527-8773
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 13, 2020
Property Address	407 MILL POND CV, FREEPORT, FL 32439-7694
Document Number	0031300179
Book / Page	003130 / 000179
Instrument Date	Jan 9, 2020
Instrument	1247
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$11,564.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	708 MAIN ST EVANSTON IL 602021702, EVANSTON, IL 60202-1702
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 407 Mill Pond Cv was $75.

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	$75.00	$568,942 Land $57,750 Building $511,192	$568,942 Land $57,750 Building $511,192
2024	$75.00 (-90.04%)
2023	$753.00 (+7.11%)	$57,750 (-9.91%) Land $57,750	$57,750 (-9.91%) Land $57,750
2022	$703.00	$64,102 Land $64,102	$64,102 Land $64,102

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

Flood

FEMA maps place 407 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 407 Mill Pond Cv is moderate, ranking above 52% 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 52% of the US · lower than 76% 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.

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