Walton County property record for 125 Flora Ln, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,299 sqft · built 2024 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $540,000 (Jul 2025) |
| Tax Bill | $4,662 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-1S-19-23025-000-0110 |
| Primary APN | 30-1S-19-23025-000-0110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,299 sqft Living Area |
| Gross Area | 3,155 sqft |
| 1st Floor Area | 2,299 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 123 ft deep x 86 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 125 FLORA LN |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2983 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 WILDFLOWER AT HAMMOCK BAY PB 25-69 OR 3293-2307 OR 3324-1813 OR 3366-414 |
| Legal Subdivision | HAMMOCK BAY |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2066 |
| Census Tract | 950502 |
Source: Walton County records, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 30, 2025 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| May 10, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2025 · Amount on Record |
| Deed Sale | Jul 30, 2025 · Amount on Record |
| Prior Sale | May 10, 2024 · Amount on Record |
| Deed Document Number | 202526812 |
| Deed Book / Page | 3366 / 414 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Document Number | 0000014615 |
| Book / Page | 3394 / 2079 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 202614615 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Document Number | 0000014615, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 3394/2079 |
| Instrument | 202614615 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 30, 2025 |
| Property Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Document Number | 0033660414 |
| Book / Page | 3366 / 414 |
| Map Reference | MB 25 PG 69-71 |
| Instrument Date | Jul 24, 2025 |
| Instrument | 20250026812 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 441 BRISTLECONE BND, LIBERTY HILL, TX 78642-2838 |
| Name | Verified Name |
|---|---|
| Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 10, 2024 |
| Property Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Document Number | 0033241813 |
| Book / Page | 3324 / 1813 |
| Map Reference | MB 25 PG 6970 AND 71 |
| Instrument Date | May 9, 2024 |
| Instrument | 20240016575 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,518.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7660 PECUE LN, BATON ROUGE, LA 70809-5271 |
| Name | Verified Name |
|---|---|
| Address | 125 FLORA LN, FREEPORT, FL 32439-2983 |
| Document Number | 20240016576 |
|---|---|
| Date | May 10, 2024 |
| Instrument | 20240016576 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
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 | $4,662.00 (+398.08%) | $408,109 Land $71,610 Building $336,499 | $408,109 Land $71,610 Building $336,499 |
| 2024 | $936.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 3,000 / 3,000 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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