102 Spruce St, Freeport, FL 32439 Property Records

Walton County property record for 102 Spruce St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,578 sqft · built 2022
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2020)
Tax Bill	$1,640 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41010-002-0040`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41010-002-0040`
Alternative APNs	`28-121-41010-002-0040` `1058487`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,578 sqft Living Area
Gross Area	2,433 sqft
1st Floor Area	1,578 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	527 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	102 SPRUCE ST
City	FREEPORT
State	FL
Zip	32439-6699
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 4 BLK 2 CHEROKEE S/D PB 2-72 OR 53-390 OR 2896-2323 OR 3097-528 OR 3135-3438 OR 3136-3349
Legal Range	021
Legal Township	01S
Legal Section	28
Legal Subdivision	CHEROKEE
Legal Block	2
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1028
Census Tract	950306

Owner

Source: Walton County records, as of December 3, 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	102 SPRUCE ST, FREEPORT, FL 32439-6699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROGRESS BANK & TRUST
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit PROGRESS BK&TR
Mar 6, 2020	Warranty Deed, Transfer PANHANDLE TITLE INC
Mar 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 11, 2019	Warranty Deed, Transfer PANHANDLE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Prior Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	20208334
Deed Book / Page	3135 / 3438
Prior Transfer Date	Feb 26, 2020
Prior Transfer Doc	0031363349
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	102 SPRUCE ST, FREEPORT, FL 32439-6699
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 SPRUCE ST, FREEPORT, FL 32439-6699

Mortgage

Document Number	0032434302
Date	Mar 18, 2022
Book Page	3243/4302
Instrument	20220012995

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	102 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0031692936
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 MILL POND CV CRESTVIEW FL 325396351, CRESTVIEW, FL 32539-6351

Mortgage

Document Number	0031692936
Date	Nov 18, 2020
Book Page	003169/002936
Instrument	47093

Lender

Name	PROGRESS BK&TR
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 6, 2020
Property Address	102 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0031353438
Book / Page	003135 / 003438
Instrument Date	Feb 26, 2020
Instrument	8334
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 583 NICEVILLE FL 325880583, NICEVILLE, FL 32588-0583

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 16, 2020
Property Address	102 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0031363349
Book / Page	003136 / 003349
Instrument Date	Feb 26, 2020
Instrument	9558
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 MILL POND CV CRESTVIEW FL 325396351, CRESTVIEW, FL 32539-6351

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 11, 2019
Property Address	102 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0030970528
Book / Page	003097 / 000528
Instrument Date	Feb 8, 2019
Instrument	4276
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$868.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12223 STATE HIGHWAY 20 W FREEPORT FL 324392007, FREEPORT, FL 32439-2007

Tax Assessment & Valuation

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	$1,640.00 (-11.45%) Homeowner's exemption	$227,341 (-9.05%) Land $46,875 Building $180,466	$227,341 (-9.05%) Land $46,875 Building $180,466
2024	$1,852.00 (+0.43%)
2023	$1,844.00 (+489.14%) Homeowner's exemption	$249,966 (+536.55%) Land $46,875 Building $203,091	$249,966 (+536.55%) Land $46,875 Building $203,091
2022	$313.00	$39,269 Land $39,269	$39,269 Land $39,269

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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	LAKE SHARON ESTATES private · serves 160 people · EPA ID FL1660407
Water Source	Groundwater
Last State Inspection	Jul 2025
Also Mapped Here	NORTH BAY WATER SYSTEM
Lead	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 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

May also be available: Spectrum.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures