427 Mill Pond Cv, Freeport, FL 32439 Property Records

Walton County property record for 427 Mill Pond Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,478 sqft · built 2022
Lot Size	0.282 acres (12,284 sqft)
Owner	Individual Name on File
Last Sale	$585,900 (Oct 2022)
Tax Bill	$5,155 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23210-000-0190`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23210-000-0190`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,478 sqft Living Area
Gross Area	3,138 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,284 sqft (0.282 acres)
Lot Dimensions	14.5 ft deep x 9 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	427 MILL POND CV
City	FREEPORT
State	FL
Zip	32439-7694
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BUXTON'S MILL AT HAMMOCK BAY PB 21-23 OR 3130-179 OR 3201-2658 OR 3271-297
Legal Range	19W
Legal Township	01S
Legal Section	18
Legal Subdivision	BUXTONS MILL/HAMMOCK BAY
Legal Lot Number	19
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2065
Census Tract	950502

Owner

427 Mill Pond Cv is owned and occupied by an individual who bought it in October 2022.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	427 MILL POND CV, FREEPORT, FL 32439-7694
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 21, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 26, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage PROGRESS BANK & TRUST
Jun 7, 2021	Warranty Deed, Transfer
Jan 13, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	Jun 7, 2021 · Amount on File
Deed Document Number	20220047254
Deed Book / Page	3271 / 297
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	427 MILL POND CV, FREEPORT, FL 32439-7694
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 MILL POND CV, FREEPORT, FL 32439-7694

Mortgage

Document Number	0033744627
Date	Oct 21, 2025
Book Page	3374/4627
Instrument	20250038353

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 26, 2022
Property Address	427 MILL POND CV, FREEPORT, FL 32439-7694
Document Number	0032710297
Book / Page	3271 / 297
Map Reference	MB 21 PG 23-27
Instrument Date	Oct 24, 2022
Instrument	20220047254
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	$4,101.30
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
Address	427 MILL POND CV, FREEPORT, FL 32439-7694

Mortgage

Document Number	0003271299
Date	Oct 26, 2022
Instrument	3271/299

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 7, 2021
Property Address	427 MILL POND CV, FREEPORT, FL 32439-7694
Document Number	0032012658
Book / Page	3201 / 2658
Map Reference	MB 21 PG 23-27
Instrument Date	Jun 4, 2021
Instrument	20210028591
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Amount	Amount on Record
Tax	$522.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

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 STE 300, 300, SPANISH FORT, AL 36527-8778
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 13, 2020
Property Address	427 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

Source: Walton County assessment roll, as of July 1, 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		$490,683 Land $57,750 Building $432,933	$490,683 Land $57,750 Building $432,933
2024	$5,155.00 (+3.56%)
2023	$4,978.00 (+507.81%) Homeowner's exemption	$491,496 (+666.74%) Land $57,750 Building $433,746	$491,496 (+666.74%) Land $57,750 Building $433,746
2022	$819.00	$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 427 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 427 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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