Walton County property record for 417 Bent Oak Dr, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,671 sqft · built 2021 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Nov 2021) |
| Tax Bill | $3,043 (2024) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Apr 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-1S-19-23300-00F-0010 |
| Primary APN | 03-1S-19-23300-00F-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,671 sqft Living Area |
| Gross Area | 2,367 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Width | 9.9 ft Width |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1004973 |
|---|---|
| Street Address | 417 BENT OAK DR |
| City | FREEPORT |
| State | FL |
| Zip | 32439-3205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK F CROSS CREEK ESTATES PH 1 PB 18-74 OR 3101-1134 OR 3224-3867 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 03 |
| Legal Subdivision | BLK F CROSS CREEK |
| Legal Phase | 1 |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 950306 |
417 Bent Oak Dr is owned and occupied by an individual who bought it in November 2021.
Source: Walton County records, as of December 17, 2025
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 | 417 BENT OAK DR, FREEPORT, FL 32439-3205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Apr 2, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Apr 2, 2019 | Loan Modification, Mortgage · Line of Credit AMERIS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 2021 · Amount on File |
| Deed Sale | Nov 10, 2021 · Amount on File |
| Deed Document Number | 20210056112 |
| Deed Book / Page | 3224 / 3867 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 10, 2021 |
| Property Address | 417 BENT OAK DR, FREEPORT, FL 32439-3205 |
| Document Number | 0032243867 |
| Book / Page | 3224 / 3867 |
| Map Reference | MB 18 PG 74 |
| Instrument Date | Nov 8, 2021 |
| Instrument | 20210056112 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 42 BUSINESS CENTRE DR # DR101, DR101, MIRAMAR BEACH, FL 32550-6920 |
| Name | Verified Name |
|---|---|
| Address | 417 BENT OAK DR, FREEPORT, FL 32439-3205 |
| Document Number | 0032243869 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 3224/3869 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 2, 2019 |
| Property Address | 417 BENT OAK DR, FREEPORT, FL 32439-3205 |
| Document Number | 0031011134 |
| Book / Page | 003101 / 001134 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 9885 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $252.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 42 BUSINESS CENTRE DR #101 MIRAMAR BEACH FL 325506983, 101, MIRAMAR BEACH, FL 32550-6983 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 2, 2019 |
| Property Address | 417 BENT OAK DR, FREEPORT, FL 32439-3205 |
| Document Number | 0031011137 |
| Book / Page | 003101 / 001137 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 9888 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 31011137 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 003101/001137 |
| Instrument | 9888 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $279,699 Land $30,000 Building $249,699 | $279,699 Land $30,000 Building $249,699 | |
| 2024 | $3,043.00 (+3.79%) | ||
| 2023 | $2,932.00 (+5.96%) Homeowner's exemption | $269,504 (+6.9%) Land $19,805 Building $249,699 | $269,504 (+6.9%) Land $19,805 Building $249,699 |
| 2022 | $2,767.00 Homeowner's exemption | $252,115 Land $21,984 Building $230,131 | $252,115 Land $21,984 Building $230,131 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 417 Bent Oak Dr 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
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 risk around 417 Bent Oak Dr is moderate, ranking above 51% 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 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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