430 Bayou Cir, Freeport, FL 32439 Property Records

Walton County property record for 430 Bayou Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,496 sqft · built 1992
Lot Size	0.821 acres (35,806 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jun 2021)
Tax Bill	$3,189 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`34-1S-19-23060-000-0160`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23060-000-0160`
Alternative APN	`1075962`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,496 sqft Living Area
Gross Area	3,850 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	35,806 sqft (0.821 acres)
Garage Type	Finished
Garage Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	339 sqft
Patio Area	575 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1075962
Street Address	430 BAYOU CIR
City	FREEPORT
State	FL
Zip	32439-4675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYN
Legal Description	LOTS 16, 17 & 18 EMERALD SHORES PB 7-7 OR 783-167 OR 914-58 OR 2637-1848 OR 3003-2857
Legal Range	19W
Legal Township	01S
Legal Section	34
Legal Subdivision	EMERALD SHORES
Legal Lot Number	16-18
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

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	430 BAYOU CIR, FREEPORT, FL 32439-4675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE ONE OF THE SOUTH INC
Jun 2, 2021	Warranty Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on Record
Deed Sale	Jun 2, 2021 · Amount on Record
Prior Sale	Mar 3, 2016 · Amount on Record
Deed Document Number	20210027636
Deed Book / Page	3200 / 3848
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	430 BAYOU CIR, FREEPORT, FL 32439-4675
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 BAYOU CIR, FREEPORT, FL 32439-4675

Mortgage

Document Number	0031673813
Date	Nov 5, 2020
Book Page	3167/3813
Instrument	20200044974

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 2, 2021
Property Address	430 BAYOU CIR, FREEPORT, FL 32439-4675
Document Number	0032003848
Book / Page	3200 / 3848
Map Reference	MB 7 PG 7
Instrument Date	May 28, 2021
Instrument	20210027636
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 644, SHALIMAR, FL 32579-0644

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 BAYOU CIR, FREEPORT, FL 32439-4675

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		$629,918 (-1.22%) Land $337,500 Building $292,418	$629,918 (-1.22%) Land $337,500 Building $292,418
2024	$3,189.00 (+2.74%)
2023	$3,104.00 (+44.24%) Homeowner's exemption	$637,681 (+33.94%) Land $337,500 Building $300,181	$637,681 (+33.94%) Land $337,500 Building $300,181
2022	$2,152.00 Homeowner's exemption	$476,083 Land $209,401 Building $266,682	$476,083 Land $209,401 Building $266,682

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 126 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1992–2021)
Claims Outside the SFHA	7 of 68
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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 56% of the US · lower than 71% 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.

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35

May also be available: Wildstar Networks.

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