118 Waterside Ln, Freeport, FL 32439 Property Records

Walton County property record for 118 Waterside Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,197 sqft · built 2022
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Company Names on Record
Last Sale	$1,350,000 (Jul 2026)
Tax Bill	$5,777 (2025)
Deeds & Mortgages	Jul 2026 Sale Jan 2022 Construction Loan + 4 more
Flood Zone	Zone X (moderate risk)
APN	`34-1S-19-23000-001-0071`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23000-001-0071`
Alternative APNs	`34-119-23000-001-0071` `1075809`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,197 sqft Living Area
Gross Area	4,976 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	218 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	620 sqft
Porch	Finished/Open Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 WATERSIDE LN
City	FREEPORT
State	FL
Zip	32439-4648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYMALL
Legal Description	COM AT NE/COR, W 1879 FT, S 01 DEG 08'00W 360.73FT, N 87 DEG 09'15W 550FT TO POB CONT N 87 DEG 09'15W 105FT, N 04 DEG 37'05E 209FT TO WATERS EDGE OF MALLET BAYOU, ELY ALONG WATERS EDGE 97FT, S 01 DEG 08'00W 213FT TO POB OR 918-163 OR 1114-88 OR 2179-
Legal Range	019
Legal Township	01S
Legal Section	34
Legal Subdivision	MALLET PINES S/D UNRECD
Legal Block	100
Legal Lot Number	71
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

Source: Walton County records, as of July 22, 2026

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	2 Company Names on Record
Mailing Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE
Jan 25, 2022	Deed of Trust, Mortgage · Construction Mortgage THE FIRST BANK
May 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage LENDER SELECT MORTGAGE GROUP
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CU
Nov 6, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST A NAT'L BKNG ASSN
Jun 24, 2019	Warranty Deed, Transfer · Conventional Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Jun 24, 2019 · Amount on Record
Deed Document Number	202627858
Deed Book / Page	3404 / 4101
Prior Transfer Date	Jun 25, 2013
Prior Transfer Doc	0029293360
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 7, 2026
Property Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0000027858
Book / Page	3404 / 4101
Instrument Date	Jul 6, 2026
Instrument	202627858
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Tax	$954,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	FREEPORT, FL 32439

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032354008
Date	Jan 25, 2022
Book Page	3235/4008
Instrument	20220003444

Lender

Name	THE FIRST BANK
Type	Non-Lending Institution
Address	DESTIN, FL 32541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648

Mortgage

Document Number	0032522033
Date	May 16, 2022
Book Page	3252/2033
Instrument	20220023155

Lender

Name	LENDER SELECT MORTGAGE GROUP
Type	Mortgage Company
Address	GREENSBORO, NC 27408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648

Mortgage

Document Number	0032554309
Date	Jun 10, 2022
Book Page	3255/4309
Instrument	20220027430

Lender

Name	FIRST COMMERCE CU
Type	Credit Union
Address	TALLAHASSEE, FL 32314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Nov 6, 2020
Property Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0031674965
Book / Page	003167 / 004965
Instrument Date	Nov 4, 2020
Instrument	45236
Transaction Type	Construction Loan
Record Updated	Nov 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 HIBERNATE WAY FREEPORT FL 324394698, FREEPORT, FL 32439-4698

Mortgage

Document Number	31674965
Date	Nov 6, 2020
Book Page	003167/004965
Instrument	45236

Lender

Name	FIRST A NAT'L BKNG ASSN
Address	DESTIN, FL 32541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 5, 2021

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 24, 2019
Property Address	118 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0031091762
Book / Page	3109 / 1762
Instrument Date	Jun 21, 2019
Instrument	20190020724
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1214 PINEY GROVE RD, 1214, CHIPLEY, FL 32428-4050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1S HIBERNATE WAY # 80, 80, FREEPORT, FL 32439-4794

Mortgage

Document Number	0031091764
Date	Jun 24, 2019
Instrument	3109/1764

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2029

Tax Assessment & Valuation

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	$5,777.00 (-3.76%)	$691,904 (+12.84%) Land $249,312 Building $442,592	$691,904 (+12.84%) Land $249,312 Building $442,592
2024	$6,003.00 (+16%)
2023	$5,175.00 (+391.92%)	$613,190 (+364.25%) Land $118,992 Building $494,198	$613,190 (+364.25%) Land $118,992 Building $494,198
2022	$1,052.00	$132,081 Land $132,081	$132,081 Land $132,081

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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

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

Wildfire Risk	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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