128 Dolphin Cv, Freeport, FL 32439 Property Records

Walton County property record for 128 Dolphin Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,706 sqft · built 1988
Lot Size	0.443 acres (19,274 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Dec 2023)
Tax Bill	$1,542 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`21-1S-20-32050-000-0030`

Property Details

APN / Parcel Number

Primary APN	`21-1S-20-32050-000-0030`
Alternative APNs	`21-120-32050-000-0030` `1037784`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,706 sqft Living Area
Gross Area	2,459 sqft
1st Floor Area	1,242 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	19,274 sqft (0.443 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished Screened Porch
Porch Area	333 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	128 DOLPHIN CV
City	FREEPORT
State	FL
Zip	32439-2269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 3 DOLPHIN COVE ESTATES PB 7-10 OR 1348-317 OR 2727-1806 OR 2817-3672 OR 2818-1040 OR 2830-3337 OR 3311-59
Legal Range	020
Legal Township	01S
Legal Section	21
Legal Subdivision	DOLPHIN COVE ESTATES
Legal Lot Number	3
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3017
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	2 Individual Names on Record
Mailing Address	128 DOLPHIN CV, FREEPORT, FL 32439-2269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 21, 2023	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2023 · Amount on Record
Deed Sale	Dec 21, 2023 · Amount on Record
Prior Sale	May 26, 2015 · Amount on Record
Deed Document Number	202345461
Deed Book / Page	3311 / 59
Prior Transfer Date	May 8, 2015
Prior Transfer Doc	0029800226
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	128 DOLPHIN CV, FREEPORT, FL 32439-2269
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032183882
Date	Oct 1, 2021
Book Page	3218/3882
Instrument	20210049178

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	128 DOLPHIN CV, FREEPORT, FL 32439-2269
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031931925
Date	Apr 19, 2021
Book Page	3193/1925
Instrument	20210018814

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 21, 2023
Property Address	128 DOLPHIN CV, FREEPORT, FL 32439-2269
Document Number	0033110059
Book / Page	3311 / 59
Map Reference	MB 7 PG 10
Instrument Date	Dec 20, 2023
Instrument	20230045461
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	COTTON LAND TITLE INC, COTTON LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	546 MAPLE AVE, NICEVILLE, FL 32578-3335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 DOLPHIN CV, FREEPORT, FL 32439-2269

Mortgage

Document Number	0000331160
Date	Dec 21, 2023
Instrument	3311/60

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	128 DOLPHIN CV, FREEPORT, FL 32439-2269
Document Number	0030503200
Book / Page	003050 / 003200
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 DOLPHIN CV FREEPORT FL 324392269, FREEPORT, FL 32439-2269

Mortgage

Document Number	0030503200
Date	Aug 25, 2017
Book Page	003050/003200
Instrument	28189

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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	$1,542.00 (+100.78%)	$215,487 (+1.21%)	$221,460 (+4.01%) Land $50,000 Building $171,460
2024	$768.00 (-5%)
2023	$1,536.00 (-2.48%) Homeowner's exemption	$212,913 (+0.02%) Land $37,100 Building $175,813	$212,913 (+0.02%) Land $37,100 Building $175,813
2022	$1,575.00 Homeowner's exemption	$212,864 Land $41,181 Building $171,683	$212,864 Land $41,181 Building $171,683

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 66% of the US · above 44% 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.

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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