895 Mallet Bayou Rd, Freeport, FL 32439 Property Records

Walton County property record for 895 Mallet Bayou Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,030 sqft · built 2001
Lot Size	3.2 acres (139,479 sqft)
Owner	2 Individual Names on File
Last Sale	$679,000 (Dec 2025)
Tax Bill	$5,087 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-1S-19-23100-000-0600`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23100-000-0600`
Alternative APNs	`34-119-23100-000-0600` `1076142`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,030 sqft Living Area
Gross Area	4,899 sqft
1st Floor Area	3,030 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	139,479 sqft (3.2 acres)
Lot Dimensions	450 ft deep x 310 ft wide
Garage Type	Attached
Garage Area	600 sqft
Porch	Finished/Open Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	895 MALLET BAYOU RD
City	FREEPORT
State	FL
Zip	32439-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60: COM SE/C OF SE4 OF NW4 OF SEC 34, N 89 DEG 59'09 W ALONG S LINE OF SE4 1320 FT TO SE/C OF SW4 OF NW4 OF SEC 34, N 00 DEG 47'12 W ALONG E LINE OF SW4 OF NW4 386.88 FT, S 88 DEG 42'25 W 30 FT TO POB , S 88 DEG 42'25 W 7.63 FT, N 67 DEG 59'20 W
Legal Range	019
Legal Township	01S
Legal Section	34
Legal Subdivision	MALLET FORREST SHORES E OF
Legal Block	6
Legal Lot Number	60
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1038
Census Tract	950502

Owner

895 Mallet Bayou Rd is owned and occupied by two individuals who bought it in December 2025.

Source: Walton County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	895 MALLET BAYOU RD, FREEPORT, FL 32439-4617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Apr 1, 2016 · Amount on File
Deed Document Number	202548392
Deed Book / Page	3382 / 4872
Prior Transfer Date	Apr 21, 2016
Prior Transfer Doc	0030081798
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 31, 2025
Property Address	895 MALLET BAYOU RD, FREEPORT, FL 32439-4617
Document Number	0033824872
Book / Page	3382 / 4872
Instrument Date	Dec 24, 2025
Instrument	20250048392
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,753.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 91, FREEPORT, FL 32439-0091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 MALLET BAYOU RD, FREEPORT, FL 32439-4617

Mortgage

Document Number	0033824874
Date	Dec 31, 2025
Instrument	3382/4874

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 895 Mallet Bayou Rd was $5,087 with a homeowner's exemption, up 14.5% from the year before.

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	$5,087.00 (+14.55%) Homeowner's exemption	$645,563 Land $144,090 Building $501,473	$645,563 Land $144,090 Building $501,473
2024	$4,441.00 (+3.59%)
2023	$4,287.00 (+5.9%)	$612,317 (+8.3%) Land $98,360 Building $513,957	$612,317 (+8.3%) Land $98,360 Building $513,957
2022	$4,048.00	$565,409 Land $109,179 Building $456,230	$565,409 Land $109,179 Building $456,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 895 Mallet Bayou Rd in Zone X, an area of minimal flood risk, within 500 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 500 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	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

Wildfire risk around 895 Mallet Bayou Rd is moderate, ranking above 59% of the US, with a 0.1% annual chance of 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	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 59 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
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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