44 Secluded Cir, Freeport, FL 32439 Property Records

Walton County property record for 44 Secluded Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,231 sqft · built 2022
Lot Size	0.376 acres (16,392 sqft)
Owner	Individual Name on Record
Last Sale	$459,765 (Mar 2022)
Tax Bill	$4,232 (2025)
Deeds & Mortgages	Jun 2024 Second Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23100-000-0240`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23100-000-0240`
Alternative APNs	`18-119-23100-000-0240` `1030970`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,231 sqft Living Area
Gross Area	3,172 sqft
1st Floor Area	2,231 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	16,392 sqft (0.376 acres)
Garage Type	Attached
Garage Area	578 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	44 SECLUDED CIR
City	FREEPORT
State	FL
Zip	32439-2899
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNI
Legal Description	LOT 24 HAMMOCK OAKS ESTATES PH I PB 17-82 OR 2875-4148 OR 2905-1248 OR 3088-2197 OR 3160-679 OR 3178-4627 OR 3241-4031
Legal Range	019
Legal Township	01S
Legal Section	18
Legal Subdivision	HAMMOCK OAKS ESTATES PH I
Legal Phase	1
Legal Block	2
Legal Lot Number	24
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2058
Census Tract	950502

Owner

Source: Walton County records, as of April 8, 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	44 SECLUDED CIR, FREEPORT, FL 32439-2899
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Mar 4, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
Sep 21, 2020	Warranty Deed, Transfer · Construction Mortgage PNB CMNTY BK
Oct 25, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Sep 21, 2020 · Amount on Record
Deed Document Number	202210488
Deed Book / Page	3241 / 4031
Record Updated	Jun 8, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	44 SECLUDED CIR, FREEPORT, FL 32439-2899
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SECLUDED CIR, FREEPORT, FL 32439-2899

Mortgage

Document Number	0033272743
Date	Jun 13, 2024
Book Page	3327/2743
Instrument	20240020987

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2044

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 4, 2022
Property Address	44 SECLUDED CIR, FREEPORT, FL 32439-2899
Document Number	0032414031
Book / Page	3241 / 4031
Map Reference	MB 17 PG 82&82A
Instrument Date	Feb 25, 2022
Instrument	20220010488
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,218.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SECLUDED CIR, FREEPORT, FL 32439-2899

Mortgage

Document Number	0032414032
Date	Mar 4, 2022
Instrument	3241/4032

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 21, 2020
Property Address	44 SECLUDED CIR, FREEPORT, FL 32439-2899
Document Number	0031600679
Book / Page	003160 / 000679
Instrument Date	Sep 14, 2020
Instrument	36330
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,369.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	31600684
Date	Sep 21, 2020
Book Page	003160/000684
Instrument	36332

Lender

Name	PNB CMNTY BK
Address	NICEVILLE, FL 32578

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 20, 2021

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 25, 2018
Property Address	44 SECLUDED CIR, FREEPORT, FL 32439-2899
Document Number	0030882197
Book / Page	003088 / 002197
Instrument Date	Oct 19, 2018
Instrument	35760
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$4,368.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	PO BOX 2171 OCALA FL 344782171, OCALA, FL 34478-2171
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$4,232.00 (-1.1%) Homeowner's exemption	$373,719 (-9.05%)	$374,745 (-8.8%) Land $41,011 Building $333,734
2024	$4,279.00 (-12.49%)
2023	$4,890.00 (+1,442.59%) Homeowner's exemption	$410,906 (+802.63%) Land $41,011 Building $369,895	$410,906 (+802.63%) Land $41,011 Building $369,895
2022	$317.00	$45,523 Land $45,523	$45,523 Land $45,523

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Secluded Cir

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