97 Mill Pond Cv, Freeport, FL 32439 Property Records

Walton County property record for 97 Mill Pond Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,446 sqft · built 2020
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Company Names on File
Last Sale	$680,000 (Mar 2025)
Tax Bill	$3,375 (2025)
Deeds & Mortgages	Aug 2025 Transfer Mar 2025 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23210-000-0820`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23210-000-0820`
Alternative APN	`18-119-23210-000-0820`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,446 sqft Living Area
Gross Area	3,119 sqft
1st Floor Area	2,446 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,509 sqft (0.379 acres)
Lot Dimensions	163 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	471 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97 MILL POND CV
City	FREEPORT
State	FL
Zip	32439-7696
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 82 BUXTONS MILL AT HAMMOCK BAY PB 21-23 OR 3087-2432 OR 3129-1797 OR 3132-4673 OR 3154-2907 OR 3353-390 OR 3367-3818
Legal Range	019
Legal Township	01S
Legal Section	18
Legal Subdivision	HAMMOCK BAY
Legal Block	8
Legal Lot Number	82
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2065
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 2025

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

Owner of Record	2 Company Names on File
Mailing Address	97 MILL POND CV, FREEPORT, FL 32439-7696
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Intrafamily Transfer, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Mar 19, 2025	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SERVICES
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALL IN CREDIT UNION
Aug 11, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ALL IN CREDIT UNION
Feb 4, 2020	Loan Modification, Mortgage FIRST BK
Feb 12, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Jan 6, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2025 · Amount on File
Deed Sale	Mar 19, 2025 · Amount on File
Prior Sale	Aug 11, 2020 · Amount on File
Deed Document Number	20259244
Deed Book / Page	3353 / 390
Last Transfer Date	Aug 12, 2025
Transfer Doc	0033673818
Record Updated	Jun 8, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Aug 14, 2025
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7696
Document Number	0033673818
Book / Page	3367 / 3818
Map Reference	MB 21 PG 23
Instrument Date	Aug 13, 2025
Instrument	20250028994
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97 MILL POND CV, FREEPORT, FL 32439-7696

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MILL POND CV, FREEPORT, FL 32439-7696

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 19, 2025
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7696
Document Number	0033530390
Book / Page	3353 / 390
Map Reference	MB 21 PG 23
Instrument Date	Mar 19, 2025
Instrument	20250009244
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$4,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 E TWEET ST, FREEPORT, FL 32439-2980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14750 N COURT SEVEN, EFFINGHAM, IL 62401-7656

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7650
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 CHRISTIAN DR, SANTA ROSA BEACH, FL 32459-8542

Mortgage

Document Number	0031560092
Date	Aug 20, 2020
Book Page	3156/92
Instrument	20200031553

Lender

Name	ALL IN CREDIT UNION
Address	DOTHAN, AL 36303

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 11, 2020
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031542907
Book / Page	3154 / 2907
Map Reference	MB 21 PG 23
Instrument Date	Aug 7, 2020
Instrument	20200029808
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,760.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29891 WOODROW LN STE 100, 29891, SPANISH FORT, AL 36527-8774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MILL POND CV, FREEPORT, FL 32439-7650
Investor	Possibly a Property Investor

Mortgage

Document Number	0031542909
Date	Aug 11, 2020
Book Page	3154/2909
Instrument	20200029809

Lender

Name	ALL IN CREDIT UNION
Type	Non-Lending Institution
Address	DOTHAN, AL 36303

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031324678
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29891 WOODROW LN #300 SPANISH FORT AL 365278778, 300, SPANISH FORT, AL 36527-8778
Investor	Possibly a Property Investor

Mortgage

Document Number	0031324678
Date	Feb 12, 2020
Book Page	003132/004678
Instrument	4968

Lender

Name	FIRST BK
Type	Bank
Address	PO BOX 1830, COVINGTON, LA 70434-1830

Agreement

Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 12, 2020
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031324673
Book / Page	003132 / 004673
Instrument Date	Jan 31, 2020
Instrument	4966
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$589.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29891 WOODROW LN #300 SPANISH FORT AL 365278778, 300, SPANISH FORT, AL 36527-8778
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 6, 2020
Property Address	97 MILL POND CV, FREEPORT, FL 32439-7650
Document Number	0031291797
Book / Page	003129 / 001797
Instrument Date	Dec 27, 2019
Instrument	408
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$11,553.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	901 BAY RIDGE RD #141 ANNAPOLIS MD 214033934, 141, ANNAPOLIS, MD 21403-3934
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Municipality	Freeport City
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,375.00 (-1%)	$305,350 (-30.58%)	$480,494 (+9.23%) Land $63,525 Building $416,969
2024	$3,409.00 (+3.71%)
2023	$3,287.00 (+5.39%) Homeowner's exemption	$439,883 (+9.72%) Land $63,525 Building $376,358	$439,883 (+9.72%) Land $63,525 Building $376,358
2022	$3,119.00 Homeowner's exemption	$400,897 Land $70,513 Building $330,384	$400,897 Land $70,513 Building $330,384

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
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	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 58% of the US · lower than 68% 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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, Cox Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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