145 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 145 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,781 sqft · built 2015
Lot Size	0.595 acres (25,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (Jul 2024)
Tax Bill	$226 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-2030`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-2030`
Alternative APNs	`16-119-23020-000-2030` `1026017`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,781 sqft Living Area
Gross Area	5,044 sqft
1st Floor Area	2,047 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	25,922 sqft (0.595 acres)
Garage Type	Attached
Garage Area	735 sqft
Porch	Finished/Open Porch
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	145 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 203 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2716-3871 OR 2794-4771 OR 2799-2398 OR 2809-2954 OR 2958-4197 OR 2980-3125 OR 3007-126 OR 3136-2722 OR 3331-4955
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	20
Legal Lot Number	203
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

Source: Walton County records, as of June 22, 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	145 SYMPHONY WAY, FREEPORT, FL 32439-2475
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Feb 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 30, 2024	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jul 30, 2024	Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE
Mar 13, 2020	Warranty Deed, Transfer · VA Mortgage CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2024 · Amount on Record
Deed Sale	Jul 30, 2024 · Amount on Record
Prior Sale	Mar 13, 2020 · Amount on Record
Deed Document Number	202426746
Deed Book / Page	3331 / 4955
Prior Transfer Date	Apr 8, 2016
Prior Transfer Doc	0030070126
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jun 10, 2026
Property Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475
Document Number	0000023928
Book / Page	3401 / 3961
Instrument Date	Jun 4, 2026
Instrument	202623928
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475

Mortgage

Document Number	0000023928,
Date	Jun 10, 2026
Book Page	3401/3961
Instrument	202623928

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475

Mortgage

Document Number	0031841203
Date	Feb 23, 2021
Book Page	3184/1203
Instrument	20210008359

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 30, 2024
Property Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475
Document Number	0033314955
Book / Page	3331 / 4955
Map Reference	MB 17 PG 27,27A-27D
Instrument Date	Jul 29, 2024
Instrument	20240026746
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1504 BIG CREEK CV, NICEVILLE, FL 32578-1509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475

Mortgage

Document Number	20240026747
Date	Jul 30, 2024
Instrument	20240026747

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 30, 2024
Property Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475
Document Number	0033314955
Book / Page	3331 / 4955
Map Reference	MB 3136 PG 27&27A-27
Instrument Date	Jul 29, 2024
Instrument	20240026746
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Tax	$5,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1504 BIG CREEK CV, NICEVILLE, FL 32578-1509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 13, 2020
Property Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475
Document Number	0031362722
Book / Page	3136 / 2722
Map Reference	MB 17 PG 27,27A-27D
Instrument Date	Mar 12, 2020
Instrument	20200009449
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,957.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 BISCANE CT, 125, WINCHESTER, VA 22602-6887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 SYMPHONY WAY, FREEPORT, FL 32439-2475

Mortgage

Document Number	0031362724
Date	Mar 13, 2020
Instrument	3136/2724

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$226.00 (-95.75%)	$584,660 (-7.97%) Land $84,788 Building $499,872	$584,660 (-7.97%) Land $84,788 Building $499,872
2024	$5,316.00 (+4.15%)
2023	$5,104.00 (+5.19%) Homeowner's exemption	$635,266 (+14.41%) Land $84,788 Building $550,478	$635,266 (+14.41%) Land $84,788 Building $550,478
2022	$4,852.00 Homeowner's exemption	$555,252 Land $67,308 Building $487,944	$555,252 Land $67,308 Building $487,944

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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	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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 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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