439 Big Cedar Rd, Ponce De Leon, FL 32455 Property Records

Walton County property record for 439 Big Cedar Rd, Ponce De Leon, FL 32455

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1989
Lot Size	0.273 acres (11,892 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Aug 2026)
Tax Bill	$1,518 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2022 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`36-1N-17-04050-00C-0130`

Property Details

APN / Parcel Number

Primary APN	`36-1N-17-04050-00C-0130`
Alternative APNs	`36-117-04050-00C-0130` `1081784`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	1,896 sqft
1st Floor Area	836 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	159 ft deep x 75 ft wide

Exterior Amenities

Porch	Patio
Porch Area	368 sqft
Patio Area	168 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Convection

Location & Zoning

Street Address	439 BIG CEDAR RD
City	PONCE DE LEON
State	FL
Zip	32455-4649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RVRCMP
Legal Description	LOT 13 BLK C COWFORD S/D PB 13-35 OR 1901-288 OR 2617-1543 OR 2806-4328 OR 2964-2740 OR 3196-3085
Legal Range	017
Legal Township	01N
Legal Section	36
Legal Subdivision	COWFORD
Legal Block	C
Legal Lot Number	13
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3015
Census Tract	950501

Owner

Source: Walton County records, as of October 21, 2026

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
Mailing Address	1121 BAY CT, DESTIN, FL 32541-1637
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Warranty Deed, Transfer · Conventional Mortgage EGLIN FEDERAL CREDIT UNION
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 7, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK OF ENGLAND
May 7, 2021	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
May 13, 2020	Loan Modification, Mortgage · Conventional Mortgage PEOPLESSOUTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Jul 19, 2022 · Amount on Record
Deed Document Number	202634673
Deed Book / Page	3410 / 397
Prior Transfer Date	Nov 14, 2008
Prior Transfer Doc	0028064328
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 21, 2026
Property Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649
Document Number	0000034673
Book / Page	3410 / 397
Instrument Date	Aug 18, 2026
Instrument	202634673
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194,425.00
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	1121 BAY CT, DESTIN, FL 32541-1637

Mortgage

Document Number	0000034674,
Date	Aug 21, 2026
Book Page	3410/399
Instrument	202634674

Lender

Name	EGLIN FEDERAL CREDIT UNION

Agreement

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

Interest

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 19, 2022
Property Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649
Document Number	0032601741
Book / Page	3260 / 1741
Map Reference	MB 13 PG 35
Instrument Date	Jul 18, 2022
Instrument	20220033148
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 399, FREEPORT, FL 32439-0399

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 COMMERCIAL PKWY, SANTA ROSA BEACH, FL 32459-3290

Mortgage

Document Number	0032601743
Date	Jul 19, 2022
Instrument	3260/1743

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649

Mortgage

Document Number	0031963322
Date	May 7, 2021
Book Page	3196/3322
Instrument	20210022774

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 7, 2021
Property Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649
Document Number	0031963085
Book / Page	3196 / 3085
Map Reference	MB 13 PG 25
Instrument Date	May 6, 2021
Instrument	20210022717
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	878 COUNTY HIGHWAY 183 N, 878, DEFUNIAK SPRINGS, FL 32433-7314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649

Mortgage

Document Number	31963087
Date	May 7, 2021
Instrument	3196/3087

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	439 BIG CEDAR RD, PONCE DE LEON, FL 32455-4649
Document Number	0031500744
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031500744
Date	Jul 13, 2020
Book Page	003150/000744
Instrument	24796

Lender

Name	PEOPLESSOUTH BK
Type	Bank
Address	BONIFAY, FL 32425

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 12, 2025

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$1,518.00 (-2.13%)	$175,097 (-2.64%) Land $37,875 Building $137,222	$175,097 (-2.64%) Land $37,875 Building $137,222
2024	$1,551.00 (-1.21%)
2023	$1,570.00 (+18.05%)	$179,850 (+22.31%) Land $36,662 Building $143,188	$179,850 (+22.31%) Land $36,662 Building $143,188
2022	$1,330.00	$147,048 Land $40,694 Building $106,354	$147,048 Land $40,694 Building $106,354

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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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