Walton County property record for 941 Bay Hbr, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 3,355 sqft · built 2019 |
| Lot Size | 0.406 acres (17,684 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Sep 2017) |
| Tax Bill | $75 (2025) |
| Deeds & Mortgages | May 2025 Second Mortgage Feb 2021 Transfer + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 30-1S-19-23010-000-0060 |
| Primary APN | 30-1S-19-23010-000-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 3,355 sqft Living Area |
| Gross Area | 7,390 sqft |
| 1st Floor Area | 2,151 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Elevator | Elevator |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 17,684 sqft (0.406 acres) |
| Lot Dimensions | 220 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 1,149 sqft |
| Porch | Finished Screened Porch |
|---|---|
| Porch Area | 2,104 sqft |
| Deck Area | Deck Area |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 941 BAY HBR |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BAYN |
| Legal Description | LOT 6 AMENDED PLAT OF HARBOUR S/D PB 13-13 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 30 |
| Legal Subdivision | HARBOUR |
| Legal Lot Number | 6 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2068 |
| Census Tract | 950502 |
941 Bay Hbr is owned and occupied by two individuals who acquired it in February 2021.
Source: Walton County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 941 BAY HBR, FREEPORT, FL 32439 |
| 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 |
|---|---|
| May 9, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU |
| Feb 24, 2021 | Intrafamily Transfer, Transfer |
| Mar 9, 2020 | Deed of Trust, Mortgage · Line of Credit PNB CMNTY BK |
| Feb 28, 2020 | Deed of Trust, Mortgage · VA Mortgage PNB CMNTY BK |
| Oct 11, 2019 | Loan Modification, Mortgage PNB CMNTY BK |
| Sep 10, 2018 | Loan Modification, Mortgage PEOPLES NAT'L BK |
| Sep 14, 2017 | Warranty Deed, Transfer · Line of Credit PEOPLES NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2017 · Amount on File |
| Deed Sale | Sep 14, 2017 · Amount on File |
| Prior Sale | Jan 9, 2015 · Amount on File |
| Deed Document Number | 201730489 |
| Deed Book / Page | 3052 / 1662 |
| Last Transfer Date | Feb 24, 2021 |
| Transfer Doc | 0031842866 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 941 BAY HARBOUR, FREEPORT, FL 32439 |
| Document Number | 0033580877 |
|---|---|
| Date | May 9, 2025 |
| Book Page | 3358/877 |
| Instrument | 20250016242 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Jun 1, 2030 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 24, 2021 |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0031842866 |
| Book / Page | 3184 / 2866 |
| Map Reference | MB 13 PG 13 |
| Instrument Date | Feb 24, 2021 |
| Instrument | 20210008731 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 941 BAY HARBOUR, FREEPORT, FL 32439 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0031364796 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 94 HARBOUR TRCE E FREEPORT FL 324392913, FREEPORT, FL 32439-2913 |
| Document Number | 0031364796 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 003136/004796 |
| Instrument | 9906 |
| Name | PNB CMNTY BK |
|---|---|
| Address | NICEVILLE, FL 32578 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 17, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0031352800 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 941 BAY HARBOUR FREEPORT FL 324392910, FREEPORT, FL 32439-2910 |
| Document Number | 0031352800 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 003135/002800 |
| Instrument | 8184 |
| Name | PNB CMNTY BK |
|---|---|
| Address | 1020 JOHN SIMS PKWY E, NICEVILLE, FL 32578-2202 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 4, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0031214138 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 0031214138 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 003121/004138 |
| Instrument | 36933 |
| Name | PNB CMNTY BK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Oct 21, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0030843944 |
| Instrument Date | Sep 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 0030843944 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 003084/003944 |
| Instrument | 30719 |
| Name | PEOPLES NAT'L BK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Sep 11, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 14, 2017 |
| Property Address | 941 BAY HBR, FREEPORT, FL 32439 |
| Document Number | 0030521662 |
| Book / Page | 3052 / 1662 |
| Map Reference | MB13 PG13 |
| Instrument Date | Sep 11, 2017 |
| Instrument | 2017000030489 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | FIRST NATIONAL TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 94 HARBOUR TRCE E, FREEPORT, FL 32439-2913 |
| Document Number | 2017000030490 |
|---|---|
| Date | Sep 14, 2017 |
| Instrument | 2017000030490 |
| Name | PEOPLES NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 12, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 941 Bay Hbr was $75 with exemptions applied.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $75.00 Homeowner's exemption Veteran's exemption | $1,010,794 | $1,584,103 Land $475,000 Building $1,109,103 |
| 2024 | $75.00 | ||
| 2023 | $75.00 Homeowner's exemption | $1,591,128 (+16%) Land $387,500 Building $1,203,628 | $1,591,128 (+16%) Land $387,500 Building $1,203,628 |
| 2022 | $75.00 Homeowner's exemption | $1,371,678 Land $310,882 Building $1,060,796 | $1,371,678 Land $310,882 Building $1,060,796 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 941 Bay Hbr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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 941 Bay Hbr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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