127 Ruth Rd, Freeport, FL 32439 Property Records

Walton County property record for 127 Ruth Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1974
Lot Size	0.371 acres (16,161 sqft)
Owner	Individual Name on Record
Last Sale	$80,500 (Jun 2015)
Tax Bill	$1,005 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`13-1S-20-32010-001-0030`

Property Details

APN / Parcel Number

Primary APN	`13-1S-20-32010-001-0030`
Alternative APNs	`13-120-32010-001-0030` `1018475`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Living Area
Gross Area	1,020 sqft
1st Floor Area	720 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,161 sqft (0.371 acres)
Lot Dimensions	135 ft deep x 120 ft wide
Porch	Open/Unfinished Porch
Porch Area	216 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Convection

Location & Zoning

Street Address	127 RUTH RD
City	FREEPORT
State	FL
Zip	32439-2462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYALAQ
Legal Description	LOTS 3 & 4 BLK 1 BAYSHORE RESORT UNREC S/D OR 43-413 OR 1994-108 DESC AS: COM AT THE NW/C OF THE SW1/4 OF SEC 13-1S-20W RUN S ALONG W SECTION LINE 1330FT THENCE RUN E PERPENDICULAR WITH SAID SECTION LINE A DIST OF 345FT THENCE RUN S 120FT FOR POB THE
Legal Range	020
Legal Township	01S
Legal Section	13
Legal Subdivision	BAYSHORE RESORT
Legal Block	1
Legal Lot Number	3,4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3003
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2550 ANGLER WAY, SEVIERVILLE, TN 37876-5801
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2015 · Amount on Record
Deed Sale	Jun 1, 2015 · Amount on Record
Prior Sale	Dec 5, 2014
Deed Document Number	20151324606
Deed Book / Page	2980 / 2793
Prior Transfer Date	Feb 2, 2007
Prior Transfer Doc	0027494922
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	127 RUTH RD, FREEPORT, FL 32439-2462
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 RUTH RD, FREEPORT, FL 32439-2462

Mortgage

Document Number	0032190631
Date	Oct 4, 2021
Book Page	3219/631
Instrument	20210049572

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 22, 2031

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	$1,005.00 (+12.67%)	$117,914 (+19.69%) Land $80,000 Building $37,914	$117,914 (+19.69%) Land $80,000 Building $37,914
2024	$892.00 (+0.45%)
2023	$888.00 (-1.55%)	$98,520 (-6.22%) Land $59,945 Building $38,575	$98,520 (-6.22%) Land $59,945 Building $38,575
2022	$902.00	$105,059 Land $66,539 Building $38,520	$105,059 Land $66,539 Building $38,520

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	115 (1994–2020)
Claims Outside the SFHA	38 of 115
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 17 claims Hurricane Frances, Sep 2004 · 44 claims Hurricane Opal, Oct 1995 · 27 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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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	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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

May also be available: Wildstar Networks.

Cell Coverage

5G and 4G LTE (outdoors only)

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