51 Cross Creek Cir, Freeport, FL 32439 Property Records

Walton County property record for 51 Cross Creek Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,227 sqft · built 2004
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (May 2013)
Tax Bill	$2,770 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-1S-19-23010-00C-0230`

Property Details

APN / Parcel Number

Primary APN	`29-1S-19-23010-00C-0230`
Alternative APNs	`29-119-23010-00C-0230` `1062423`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,227 sqft Living Area
Gross Area	3,081 sqft
1st Floor Area	1,915 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	572 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	282 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	51 CROSS CREEK CIR
City	FREEPORT
State	FL
Zip	32439-3721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 BLK C CROSS CREEK SHORES PB 7-37 OR 399-193 OR 2524-761 OR 2632-2733 OR 2647-3089 OR 2698-4208 OR 2774-2300 OR 2919-940 OR 2921-781 OR 3098-4399
Legal Range	019
Legal Township	01S
Legal Section	29
Legal Subdivision	CROSS CREEK SHORES
Legal Block	C
Legal Lot Number	23
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2090
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 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
Mailing Address	51 CROSS CREEK CIR, FREEPORT, FL 32439-3721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 6, 2019	Quit Claim Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2013 · Amount on Record
Deed Sale	May 6, 2013 · Amount on Record
Prior Sale	Oct 1, 2007 · Amount on Record
Deed Document Number	20131236676
Deed Book / Page	2919 / 940
Last Transfer Date	Feb 27, 2019
Transfer Doc	0030984399
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 CROSS CREEK CIR, FREEPORT, FL 32439-3721
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CROSS CREEK CIR, FREEPORT, FL 32439-3721

Mortgage

Document Number	0032111274
Date	Aug 11, 2021
Book Page	3211/1274
Instrument	20210040232

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 6, 2019
Property Address	51 CROSS CREEK CIR, FREEPORT, FL 32439-3721
Document Number	0030984399
Book / Page	003098 / 004399
Instrument Date	Feb 27, 2019
Instrument	6641
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	51 CROSS CREEK CIR FREEPORT FL 324393721, FREEPORT, FL 32439-3721

Mortgage

Document Number	30984401
Date	Mar 6, 2019
Book Page	003098/004401
Instrument	6642

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2049

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	$2,770.00 (-24.63%) Homeowner's exemption Senior Citizen's exemption	$385,861 (-18.86%) Land $62,000 Building $323,861	$385,861 (-18.86%) Land $62,000 Building $323,861
2024	$3,675.00 (+3.81%)
2023	$3,540.00 (+16.03%) Homeowner's exemption	$475,559 (+10.06%) Land $42,103 Building $433,456	$475,559 (+10.06%) Land $42,103 Building $433,456
2022	$3,051.00	$432,090 Land $46,734 Building $385,356	$432,090 Land $46,734 Building $385,356

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 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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Verizon, Wildstar Networks.

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