556 Mallet Bayou Rd, Freeport, FL 32439 Property Records

Walton County property record for 556 Mallet Bayou Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,193 sqft · built 2004
Lot Size	0.851 acres (37,070 sqft)
Owner	2 Individual Names on Record
Last Sale	$585,000 (Apr 2019)
Tax Bill	$4,503 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`34-1S-19-23100-000-0110`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23100-000-0110`
Alternative APN	`1076121`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	3,193 sqft Living Area
Gross Area	6,069 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	37,070 sqft (0.851 acres)
Lot Dimensions	35 ft deep x 10.6 ft wide
Garage Type	Finished
Garage Area	942 sqft

Exterior Amenities

Porch	Porch
Porch Area	1,408 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1076121
Street Address	556 MALLET BAYOU RD
City	FREEPORT
State	FL
Zip	32439-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYN
Legal Description	COM 880.7FT N OF & 3088FT W OF NE/C OF LAIRDS 2ND ADD, N 55 DEG 45'55E 537.25FT TO POB, N 59 DEG 20'W 335FT TO MALLET BAYOU,
Legal Range	19W
Legal Township	01S
Legal Section	34
Legal Subdivision	MALLET BAYOU
Legal Lot Number	11
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	2 Individual Names on Record
Mailing Address	PO BOX 127, FREEPORT, FL 32439-0127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 18, 2019	Warranty Deed, Transfer CLEAREDGELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on Record
Deed Sale	Apr 18, 2019 · Amount on Record
Prior Sale	Sep 16, 2016 · Amount on Record
Deed Document Number	20190012002
Deed Book / Page	3102 / 3929
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	556 MALLET BAYOU RD, FREEPORT, FL 32439-4604
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 MALLET BAYOU RD, FREEPORT, FL 32439-4604

Mortgage

Document Number	0031934681
Date	Apr 21, 2021
Book Page	3193/4681
Instrument	20210019443

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	556 MALLET BAYOU RD, FREEPORT, FL 32439-4604
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030782884
Date	Jul 5, 2018
Book Page	3078/2884
Instrument	2018000022394

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 18, 2019
Property Address	556 MALLET BAYOU RD, FREEPORT, FL 32439-4604
Document Number	0031023929
Book / Page	003102 / 003929
Instrument Date	Apr 15, 2019
Instrument	12002
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,095.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	556 MALLET BAYOU RD FREEPORT FL 324394604, FREEPORT, FL 32439-4604

Mortgage

Document Number	31023930
Date	Apr 18, 2019
Book Page	003102/003930
Instrument	12003

Lender

Name	CLEAREDGELENDING
Address	750 WASHINGTON BLVD # 1050, STAMFORD, CT 06901-3722

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.99%

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		$981,281 (-1.64%) Land $318,000 Building $663,281	$981,281 (-1.64%) Land $318,000 Building $663,281
2024	$4,503.00 (+3.59%)
2023	$4,347.00 (+22.9%) Homeowner's exemption	$997,607 (+31.89%) Land $302,100 Building $695,507	$997,607 (+31.89%) Land $302,100 Building $695,507
2022	$3,537.00 Homeowner's exemption	$756,366 Land $218,550 Building $537,816	$756,366 Land $218,550 Building $537,816

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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