108 Birch St, Freeport, FL 32439 Property Records

Walton County property record for 108 Birch St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,484 sqft · built 1984
Lot Size	1.54 acres (67,431 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (May 2018)
Tax Bill	$75 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41010-002-0010`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41010-002-0010`
Alternative APNs	`28-121-41010-002-0010` `1058486`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,484 sqft Living Area
Gross Area	5,135 sqft
1st Floor Area	2,484 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	67,431 sqft (1.54 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	672 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	257 sqft
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 BIRCH ST
City	FREEPORT
State	FL
Zip	32439-6608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOTS 1, 2, 3, 18, 19 & 20 BLK 2 CHEROKEE S/D PB 2-72 OR 1462-12 OR 23691496 OR 3064-3660 OR 3073-3044
Legal Range	021
Legal Township	01S
Legal Section	28
Legal Subdivision	CHEROKEE
Legal Block	2
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1028
Census Tract	950306

Owner

108 Birch St is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 BIRCH ST, FREEPORT, FL 32439-6608
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit EGLIN FCU
Dec 23, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Sep 20, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
May 14, 2018	Warranty Deed, Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC
Feb 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2018 · Amount on File
Deed Sale	May 14, 2018 · Amount on File
Prior Sale	Dec 13, 2001 · Amount on File
Deed Document Number	201815786
Deed Book / Page	3073 / 3044
Prior Transfer Date	Jan 17, 2018
Prior Transfer Doc	0030643660
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	108 BIRCH ST, FREEPORT, FL 32439-6608
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BIRCH ST, FREEPORT, FL 32439-6608

Mortgage

Document Number	0033073595
Date	Nov 13, 2023
Book Page	3307/3595
Instrument	20230041034

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	108 BIRCH ST, FREEPORT, FL 32439-6608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TALON TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BIRCH ST, FREEPORT, FL 32439-6608

Mortgage

Document Number	0031750176
Date	Dec 23, 2020
Book Page	3175/176
Instrument	20200053196

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	108 BIRCH ST, FREEPORT, FL 32439-6608
Document Number	0031191095
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	TALON TITLE SERVICES LLC, TALON TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 BIRCH ST FREEPORT FL 324396608, FREEPORT, FL 32439-6608

Mortgage

Document Number	0031191095
Date	Sep 27, 2019
Book Page	003119/001095
Instrument	33601

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 14, 2018
Property Address	108 BIRCH ST, FREEPORT, FL 32439-6608
Document Number	0030733044
Book / Page	3073 / 3044
Map Reference	MB2 PG72&73
Instrument Date	May 10, 2018
Instrument	2018000015786
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BRIGHT LIGHT LAND TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4880 KAPOLEI PKWY APT 202, 4880, KAPOLEI, HI 96707-4588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BIRCH ST, FREEPORT, FL 32439-6608

Mortgage

Document Number	2018000015787
Date	May 14, 2018
Instrument	2018000015787

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Feb 5, 2018
Property Address	108 BIRCH ST, FREEPORT, FL 32439-6608
Document Number	0030643660
Book / Page	003064 / 003660
Instrument Date	Jan 17, 2018
Instrument	3707
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 895 NICEVILLE FL 325880895, NICEVILLE, FL 32588-0895

Tax Assessment & Valuation

The 2025 property tax bill for 108 Birch St was $75 with exemptions applied.

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	$75.00 Homeowner's exemption Veteran's exemption	$293,337	$523,654 Land $281,250 Building $242,404
2024	$75.00
2023	$75.00 Homeowner's exemption	$530,054 (-26.57%) Land $281,250 Building $248,804	$530,054 (-26.57%) Land $281,250 Building $248,804
2022	$75.00 Homeowner's exemption	$721,830 Land $476,524 Building $245,306	$721,830 Land $476,524 Building $245,306

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

Flood

FEMA maps place 108 Birch St 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 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 108 Birch St is moderate, ranking above 46% of the US, with a 0.08% annual chance of 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.

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