128 Nelly St, Freeport, FL 32439 Property Records

Walton County property record for 128 Nelly St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,765 sqft · built 2014
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Dec 2023)
Tax Bill	$3,631 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23090-000-0120`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23090-000-0120`
Alternative APN	`1028387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,765 sqft Living Area
Gross Area	2,380 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	13.7 ft deep x 5.1 ft wide
Garage Type	Finished
Garage Area	520 sqft
Porch	Porch
Porch Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028387
Street Address	128 NELLY ST
City	FREEPORT
State	FL
Zip	32439-7614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 12 SCHOONER LANDING AT HAMMOCK BAY PB 18 PG 20 OR 2832-4217 OR 2908-3760 OR 2963-4212 OR 3309-3566
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	SCHOONER LANDING AT HAMMOCK
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2146
Census Tract	950502

Owner

128 Nelly St is owned and occupied by an individual who bought it in December 2023.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	128 NELLY ST, FREEPORT, FL 32439-7614
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Apr 24, 2017	Deed of Trust, Mortgage · FHA Mortgage LADERA LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2023 · Amount on File
Deed Sale	Dec 6, 2023 · Amount on File
Prior Sale	Nov 6, 2014 · Amount on File
Deed Document Number	20230043623
Deed Book / Page	3309 / 3566
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 6, 2023
Property Address	128 NELLY ST, FREEPORT, FL 32439-7614
Document Number	0033093566
Book / Page	3309 / 3566
Map Reference	MB 18 PG 20,20A-20C
Instrument Date	Dec 5, 2023
Instrument	20230043623
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	369 E MARIGOLD AVE, DEFUNIAK SPRINGS, FL 32433-6518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 NELLY ST, FREEPORT, FL 32439-7614

Mortgage

Document Number	0033093568
Date	Dec 6, 2023
Instrument	3309/3568

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	128 NELLY ST, FREEPORT, FL 32439-7614
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 NELLY ST, FREEPORT, FL 32439-7614

Mortgage

Document Number	0032031398
Date	Jun 18, 2021
Book Page	3203/1398
Instrument	20210030794

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	128 NELLY ST, FREEPORT, FL 32439-7614
Document Number	0030403373
Book / Page	003040 / 003373
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 NELLY ST FREEPORT FL 324397614, FREEPORT, FL 32439-7614

Mortgage

Document Number	0030403373
Date	May 8, 2017
Book Page	003040/003373
Instrument	14675

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2047

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Municipality	Freeport City
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$321,492 Land $50,000 Building $271,492	$321,492 Land $50,000 Building $271,492
2024	$3,631.00 (-2.02%)
2023	$3,706.00 (+11.59%)	$339,259 (+10.39%) Land $42,178 Building $297,081	$339,259 (+10.39%) Land $42,178 Building $297,081
2022	$3,321.00	$307,328 Land $46,818 Building $260,510	$307,328 Land $46,818 Building $260,510

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 128 Nelly St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Sally, Sep 2020 · 12 claims Hurricane Frances, Sep 2004 · 18 claims Hurricane Opal, Oct 1995 · 13 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

Wildfire risk around 128 Nelly St is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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