103 Hickory St, Freeport, FL 32439 Property Records

Walton County property record for 103 Hickory St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1984
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$332,000 (Oct 2022)
Tax Bill	$2,703 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`28-1S-21-41010-007-0040`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41010-007-0040`
Alternative APNs	`28-121-41010-007-0040` `1058522`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	2,929 sqft
1st Floor Area	1,032 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	316 ft deep x 168 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Porch	Finished/Open Porch
Porch Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 HICKORY ST
City	FREEPORT
State	FL
Zip	32439-6620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 4 BLK 7 CHEROKEE S/D PB 2-72 OR 2427-1148 OR 2948-528 OR 3026-4934 OR 3030-916 OR 3155-2514 OR 3163-2708 OR 3270-688
Legal Range	021
Legal Township	01S
Legal Section	28
Legal Subdivision	CHEROKEE
Legal Block	7
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1030
Census Tract	950306

Owner

103 Hickory St is owned by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2114 CROYDON DR, TALLAHASSEE, FL 32303-4304
Owner Type	Individual
Vesting	Husband and 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

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2020	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Aug 18, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 4, 2017	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	Oct 9, 2020 · Amount on File
Deed Document Number	202245950
Deed Book / Page	3270 / 688
Prior Transfer Date	Aug 13, 2020
Prior Transfer Doc	0031552514
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 17, 2022
Property Address	103 HICKORY ST, FREEPORT, FL 32439-6620
Document Number	0032700688
Book / Page	3270 / 688
Map Reference	MB 2 PG 72&73
Instrument Date	Oct 14, 2022
Instrument	20220045950
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	FOUNDATION TTL & STLMT SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,324.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3709 LONE FOX CT, 3709, PACE, FL 32571-9665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 CROYDON DR, TALLAHASSEE, FL 32303-4304

Mortgage

Document Number	0003270690
Date	Oct 17, 2022
Instrument	3270/690

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 9, 2020
Property Address	103 HICKORY ST, FREEPORT, FL 32439-6620
Document Number	0031632708
Book / Page	3163 / 2708
Map Reference	MB 2 PG 72&73
Instrument Date	Sep 23, 2020
Instrument	20200040072
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 AZALEA DR, 42, MEXICO BEACH, FL 32456-0102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HICKORY ST, FREEPORT, FL 32439-6620

Mortgage

Document Number	0031632710
Date	Oct 9, 2020
Instrument	3163/2710

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 18, 2020
Property Address	103 HICKORY ST, FREEPORT, FL 32439-6620
Document Number	0031552514
Book / Page	003155 / 002514
Instrument Date	Aug 13, 2020
Instrument	30976
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HICKORY ST FREEPORT FL 324396620, FREEPORT, FL 32439-6620

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 4, 2017
Property Address	103 HICKORY ST, FREEPORT, FL 32439-6620
Document Number	0030300916
Book / Page	003030 / 000916
Instrument Date	Dec 28, 2016
Instrument	228
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,469.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 HICKORY ST FREEPORT FL 324396620, FREEPORT, FL 32439-6620

Mortgage

Document Number	30309187
Date	Jan 4, 2017
Book Page	003030/009187
Instrument	229

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 103 Hickory St was $2,703, down 2.5% 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	$2,703.00 (-2.52%)	$318,878 Land $115,200 Building $203,678	$318,878 Land $115,200 Building $203,678
2024	$2,773.00 (+7.15%)
2023	$2,588.00 (-2.78%)	$302,249 (-14.3%) Land $90,000 Building $212,249	$302,249 (-14.3%) Land $90,000 Building $212,249
2022	$2,662.00	$352,701 Land $106,191 Building $246,510	$352,701 Land $106,191 Building $246,510

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

Flood

FEMA maps place 103 Hickory St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 103 Hickory St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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