Walton County property record for 115 Tropical Way, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,587 sqft · built 2004 |
| Lot Size | 0.334 acres (14,535 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Dec 2009) |
| Tax Bill | $558 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-1S-19-23032-000-0080 |
| Primary APN | 33-1S-19-23032-000-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,587 sqft Living Area |
| Gross Area | 2,338 sqft |
| 1st Floor Area | 1,587 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,535 sqft (0.334 acres) |
| Lot Dimensions | 190 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 310 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 115 TROPICAL WAY |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4787 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 BRANDON OAKS S/D 1ST ADD PB 15-91 OR 2644-4966 OR 2699-1426 OR 2832-2241 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | BRANDON OAKS |
| Legal Lot Number | 8 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 950502 |
115 Tropical Way is owned and occupied by an individual who bought it in December 2009.
Source: Walton County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| 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 |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 29, 2025 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2009 · Amount on File |
| Deed Sale | Dec 28, 2009 · Amount on File |
| Prior Sale | Nov 29, 2005 · Amount on File |
| Deed Document Number | 20091103304 |
| Deed Book / Page | 2832 / 2241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 19, 2026 |
| Property Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Document Number | 0033984354 |
| Book / Page | 3398 / 4354 |
| Instrument Date | May 11, 2026 |
| Instrument | 202620437 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Document Number | 0000020437, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 3398/4354 |
| Instrument | 202620437 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0032260524 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 3226/524 |
| Instrument | 20210057607 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Document Number | 0033691816 |
|---|---|
| Date | Aug 29, 2025 |
| Book Page | 3369/1816 |
| Instrument | 20250031115 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031742202 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 3174/2202 |
| Instrument | 20200052545 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 115 TROPICAL WAY, FREEPORT, FL 32439-4787 |
| Document Number | 0030991907 |
| Instrument Date | Mar 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 115 TROPICAL WAY FREEPORT FL 324394787, FREEPORT, FL 32439-4787 |
| Document Number | 0030991907 |
|---|---|
| Date | Mar 12, 2019 |
| Book Page | 003099/001907 |
| Instrument | 7375 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2049 |
The 2025 property tax bill for 115 Tropical Way was $558 with a homeowner's exemption, up 2.6% from the year before.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $558.00 (+2.57%) Homeowner's exemption | $96,136 | $274,314 Land $50,000 Building $224,314 |
| 2024 | $544.00 (+4.82%) | ||
| 2023 | $519.00 (+1.96%) Homeowner's exemption | $286,027 (+9.57%) Land $32,648 Building $253,379 | $286,027 (+9.57%) Land $32,648 Building $253,379 |
| 2022 | $509.00 Homeowner's exemption | $261,051 Land $36,239 Building $224,812 | $261,051 Land $36,239 Building $224,812 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Tropical Way in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1992.
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 File median of 126 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 126 in force |
| Nearby Flood Claims | 68 (1992–2021) |
| Claims Outside the SFHA | 7 of 68 |
| Most Recent Claim | Jun 2021 · other causes |
| 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 115 Tropical Way is moderate, ranking above 45% 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 45% of the US · lower than 84% 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.
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 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures