108 Nelly St, Freeport, FL 32439 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,811 sqft · built 2015
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jul 2026)
Tax Bill	$3,745 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23090-000-0100`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23090-000-0100`
Alternative APNs	`17-119-23090-000-0100` `1028385`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,811 sqft Living Area
Gross Area	2,209 sqft
1st Floor Area	1,811 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	115 ft deep x 48 ft wide
Garage Type	Attached
Garage Area	378 sqft
Porch	Finished/Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 NELLY ST
City	FREEPORT
State	FL
Zip	32439-7614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 10 SCHOONER LANDING AT HAMMOCK BAY PB 18-20 OR 2908-3748 OR 2978-1096 OR 3041-2137 OR 3357-34
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Block	1
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2146
Census Tract	950502

Owner

108 Nelly St is owned by two individuals who bought it in July 2026.

Source: Walton County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5935 OLD SNAPPS FERRY RD, LIMESTONE, TN 37681-4245
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
Jul 1, 2026	Warranty Deed, Transfer · VA Mortgage BAYWAY MORTGAGE GROUP
May 16, 2017	Warranty Deed, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	May 16, 2017 · Amount on File
Deed Document Number	202627231
Deed Book / Page	3404 / 1429
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 1, 2026
Property Address	108 NELLY ST, FREEPORT, FL 32439-7614
Document Number	0000027231
Book / Page	3404 / 1429
Instrument Date	Jun 30, 2026
Instrument	202627231
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201,495.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5935 OLD SNAPPS FERRY RD, LIMESTONE, TN 37681-4245

Mortgage

Document Number	0000027232,
Date	Jul 1, 2026
Instrument	202627232

Lender

Name	BAYWAY MORTGAGE GROUP

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 16, 2017
Property Address	108 NELLY ST, FREEPORT, FL 32439-7614
Document Number	0030412137
Book / Page	003041 / 002137
Instrument Date	May 11, 2017
Instrument	15882
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Tax	$1,169.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 TWAIN TRL FREEPORT FL 324392294, FREEPORT, FL 32439-2294

Tax Assessment & Valuation

The 2025 property tax bill for 108 Nelly St was $3,745, up 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
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	$3,745.00 (+2.55%)	$306,052 Land $50,000 Building $256,052	$306,052 Land $50,000 Building $256,052
2024	$3,652.00 (+3.57%)
2023	$3,526.00 (+11.13%)	$322,375 (+9.28%) Land $42,178 Building $280,197	$322,375 (+9.28%) Land $42,178 Building $280,197
2022	$3,173.00	$295,004 Land $46,818 Building $248,186	$295,004 Land $46,818 Building $248,186

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

Flood

FEMA maps place 108 Nelly 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 A, within 500 ft
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

Wildfire risk around 108 Nelly St is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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 391 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Nelly St

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