87 Sun Bear Cir, Freeport, FL 32439 Property Records

Walton County property record for 87 Sun Bear Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,478 sqft · built 2020
Lot Size	0.645 acres (28,103 sqft)
Owner	Individual Name on Record
Tax Bill	$4,201 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24310-000-0070`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24310-000-0070`
Alternative APN	`1002809`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,478 sqft Living Area
Gross Area	3,614 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	28,103 sqft (0.645 acres)
Lot Dimensions	22 ft deep x 2.9 ft wide
Garage Type	Finished
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002809
Street Address	87 SUN BEAR CIR
City	FREEPORT
State	FL
Zip	32439-4692
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BEAR CREEK COTTAGES 1ST ADD PB 17-5 OR 2690-1394 OR 3108-2436 OR 3154-140 OR 3316-1359
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK
Legal Lot Number	7
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
Census Tract	950501

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	Individual Name on Record
Mailing Address	87 SUN BEAR CIR, FREEPORT, FL 32439-4692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage TERRY SEARS ETAL
Aug 7, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jun 14, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2024
Deed Sale	Feb 23, 2024
Prior Sale	Aug 7, 2020 · Amount on Record
Deed Document Number	20240006289
Deed Book / Page	3316 / 1359
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 23, 2024
Property Address	87 SUN BEAR CIR, FREEPORT, FL 32439-4692
Document Number	0033161359
Book / Page	3316 / 1359
Map Reference	MB 17 PG 5
Instrument Date	Feb 19, 2024
Instrument	20240006289
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 SUN BEAR CIR, FREEPORT, FL 32439-4692

Mortgage

Document Number	0033161609
Date	Feb 23, 2024
Instrument	3316/1609

Lender

Name	TERRY SEARS ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 16, 2044

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 7, 2020
Property Address	87 SUN BEAR CIR, FREEPORT, FL 32439-4692
Document Number	0031540140
Book / Page	3154 / 140
Map Reference	MB 17 PG 5
Instrument Date	Aug 6, 2020
Instrument	20200029192
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,234.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 E NURSERY RD, 339, SANTA ROSA BEACH, FL 32459-3808

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	140 RIVER CIR, SANTA ROSA BEACH, FL 32459-8407

Mortgage

Document Number	0003154142
Date	Aug 7, 2020
Instrument	3154/142

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 14, 2019
Property Address	87 SUN BEAR CIR, FREEPORT, FL 32439-4692
Document Number	0031082436
Book / Page	003108 / 002436
Instrument Date	Jun 11, 2019
Instrument	19568
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$311.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	339 E NURSERY RD SANTA ROSA BEACH FL 324593808, SANTA ROSA BEACH, FL 32459-3808

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		$513,815 (+9.29%) Land $92,400 Building $421,415	$513,815 (+9.29%) Land $92,400 Building $421,415
2024	$4,201.00 (+8.55%)
2023	$3,870.00 (+2.71%)	$470,158 (+1.81%) Land $77,400 Building $392,758	$470,158 (+1.81%) Land $77,400 Building $392,758
2022	$3,768.00	$461,783 Land $74,458 Building $387,325	$461,783 Land $74,458 Building $387,325

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	76 (1978–2023)
Claims Outside the SFHA	18 of 76
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 26 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 10 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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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