Walton County property record for 110 Harmony Way, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,068 sqft · built 2018 |
| Lot Size | 0.677 acres (29,480 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,000 (Apr 2017) |
| Tax Bill | $4,860 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-1S-19-23020-000-0170 |
| Primary APN | 17-1S-19-23020-000-0170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,068 sqft Living Area |
| Gross Area | 4,950 sqft |
| 1st Floor Area | 3,068 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,480 sqft (0.677 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 1,012 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 110 HARMONY WAY |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HAMBAY |
| Legal Description | LOT 17 HARMONY AT HAMMOCK BAY PB 16-87 OR 2734-1987 OR 2801-4009 OR 3004-1300 OR 3004-3285 OR 3038-1333 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 17 |
| Legal Subdivision | HAMMOCK BAY |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950502 |
110 Harmony Way is owned and occupied by an individual who bought it in April 2017.
Source: Walton County records, as of December 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| 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.
| Date | Document |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Sep 13, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 24, 2017 | Deed of Trust, Mortgage · Construction Mortgage FIRST FLORIDA BANK |
| Apr 12, 2018 | Loan Modification, Mortgage FIRST FL BK |
| Apr 12, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2017 · Amount on File |
| Deed Sale | Apr 12, 2017 · Amount on File |
| Prior Sale | Mar 17, 2016 · Amount on File |
| Deed Document Number | 201711406 |
| Deed Book / Page | 3038 / 1333 |
| Prior Transfer Date | Sep 12, 2008 |
| Prior Transfer Doc | 0028014009 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0032192237 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 3219/2237 |
| Instrument | 20210049872 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0033354761 |
|---|---|
| Date | Sep 13, 2024 |
| Book Page | 3335/4761 |
| Instrument | 20240032257 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030502832 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 3050/2832 |
| Instrument | 20170028101 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 11.7% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0030712962 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2018 |
| Name | Verified Name |
|---|---|
| Address | 110 HARMONY WAY FREEPORT FL 324392579, FREEPORT, FL 32439-2579 |
| Document Number | 0030712962 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 003071/002962 |
| Instrument | 13194 |
| Name | FIRST FL BK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32540 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 22, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 12, 2017 |
| Property Address | 110 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0030381333 |
| Book / Page | 003038 / 001333 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 11406 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $623.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 FLATWOODS FOREST LOOP SANTA ROSA BEACH FL 324598846, SANTA ROSA BEACH, FL 32459-8846 |
The 2025 property tax bill for 110 Harmony Way was $4,860 with a homeowner's exemption, down 1% from the year before.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,860.00 (-0.98%) Homeowner's exemption | $411,799 | $694,071 Land $110,000 Building $584,071 |
| 2024 | $4,908.00 (+4.23%) | ||
| 2023 | $4,709.00 (+5.21%) Homeowner's exemption | $674,633 (+8.46%) Land $90,562 Building $584,071 | $674,633 (+8.46%) Land $90,562 Building $584,071 |
| 2022 | $4,476.00 Homeowner's exemption | $621,988 Land $100,524 Building $521,464 | $621,988 Land $100,524 Building $521,464 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 110 Harmony Way 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 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 |
|
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 risk around 110 Harmony Way is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 266 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 |
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