109 Date Palm Ln, Freeport, FL 32439 Property Records

Walton County property record for 109 Date Palm Ln, Freeport, FL 32439

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,432 sqft · built 2023
Owner	Individual Name on Record
Tax Bill	$2,446 (2024)
Deeds & Mortgages	May 2026 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-1S-19-23119-000-3480`

Property Details

APN / Parcel Number

Primary APN	`10-1S-19-23119-000-3480`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,432 sqft Living Area
Gross Area	1,812 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	109 DATE PALM LN
City	FREEPORT
State	FL
Zip	32439-3737
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 348 VERANDAS AT FREEPORT PH 2A-2 PB 25-21 OR 3296-3788 OR 3302-2307
Legal Subdivision	FREEPORT
Legal Phase	2A-2
Legal Lot Number	348
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2007
Census Tract	950306

Owner

Source: Walton County records, as of December 17, 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	Individual Name on Record
Mailing Address	109 DATE PALM LN, FREEPORT, FL 32439-3737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · VA Mortgage NEST HOME LENDING LLC
Jul 25, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage UNIVERSITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2023
Deed Sale	Sep 19, 2023
Deed Document Number	0033022307
Deed Book / Page	3296 / 3788
Prior Transfer Date	Jul 25, 2023
Prior Transfer Doc	20230026374
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	May 4, 2026
Property Address	109 DATE PALM LN, FREEPORT, FL 32439-3737
Document Number	0000017713
Book / Page	3396 / 3851
Instrument Date	Apr 24, 2026
Instrument	202617713
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DATE PALM LN, FREEPORT, FL 32439-3737

Mortgage

Document Number	0000017713,
Date	May 4, 2026
Book Page	3396/3851
Instrument	202617713

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 25, 2023
Property Address	109 DATE PALM LN, FREEPORT, FL 32439-3737
Document Number	0032963788
Book / Page	3296 / 3788
Map Reference	MB 24 PG 69&70
Instrument Date	Jul 21, 2023
Instrument	20230026374
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1131 FAIRVIEW AVE STE 201, 201, BOWLING GREEN, KY 42103-1695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 DATE PALM LN, FREEPORT, FL 32439-3737

Mortgage

Document Number	0032963789
Date	Jul 25, 2023
Instrument	3296/3789

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$228,086 (+5,956.45%) Land $30,000 Building $198,086	$228,086 (+5,956.45%) Land $30,000 Building $198,086
2024	$2,446.00 (+4,891.84%)
2023	$49.00	$3,766 Building $3,766	$3,766 Building $3,766

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

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 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force

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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.07% 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	CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T.

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