Walton County property record for 448 Riverwalk Cir, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,384 sqft · built 2022 |
| Lot Size | 0.185 acres (8,059 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,990 (Sep 2022) |
| Tax Bill | $3,371 (2024) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1S-19-23040-000-0540 |
| Primary APN | 22-1S-19-23040-000-0540 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| Gross Area | 1,828 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,059 sqft (0.185 acres) |
| Lot Dimensions | 11.4 ft deep x 7.7 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1038871 |
|---|---|
| Street Address | 448 RIVERWALK CIR |
| City | FREEPORT |
| State | FL |
| Zip | 32439-4198 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 54 RIVERWALK PH I PB 18-13 OR 3198-326 OR 3266-671 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | RIVERWALK PH I |
| Legal Phase | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 950502 |
448 Riverwalk Cir is owned and occupied by an individual who bought it in September 2022.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 448 RIVERWALK CIR, FREEPORT, FL 32439-4198 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage INSPIRE HOME LOANS INC |
| Dec 5, 2018 | Grant Deed, Mortgage · Line of Credit BANK OF MO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2022 · Amount on File |
| Deed Sale | Sep 9, 2022 · Amount on File |
| Deed Document Number | 20220040609 |
| Deed Book / Page | 3266 / 671 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 9, 2022 |
| Property Address | 448 RIVERWALK CIR, FREEPORT, FL 32439-4198 |
| Document Number | 0032660671 |
| Book / Page | 3266 / 671 |
| Map Reference | MB 18 PG 13 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 20220040609 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,212.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR # DR300, DR300, PEACHTREE CORNERS, GA 30071-1143 |
| Name | Verified Name |
|---|---|
| Address | 448 RIVERWALK CIR, FREEPORT, FL 32439-4198 |
| Document Number | 0003266673 |
|---|---|
| Date | Sep 9, 2022 |
| Instrument | 3266/673 |
| Name | INSPIRE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.2% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 5, 2018 |
| Property Address | 448 RIVERWALK CIR, FREEPORT, FL 32439-4198 |
| Document Number | 0030914134 |
| Book / Page | 003091 / 004134 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 40368 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 36008 EMERALD COAST PKWY DESTIN FL 325414792, DESTIN, FL 32541-4792 |
| Document Number | 30914134 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 003091/004134 |
| Instrument | 40368 |
| Name | BANK OF MO |
|---|---|
| Type | Bank |
| Address | 427 WILLIAM ST, CAPE GIRARDEAU, MO 63701 |
| 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 | $228,553 Land $35,175 Building $193,378 | $228,553 Land $35,175 Building $193,378 | |
| 2024 | $3,371.00 (+0.24%) | ||
| 2023 | $3,363.00 (+575.3%) | $252,003 (+545.43%) Land $35,175 Building $216,828 | $252,003 (+545.43%) Land $35,175 Building $216,828 |
| 2022 | $498.00 | $39,044 Land $39,044 | $39,044 Land $39,044 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 448 Riverwalk Cir in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 448 Riverwalk Cir is low, with a 0.07% annual chance of 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Cox Communications Fiber | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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