145 Windchime Way, Freeport, FL 32439 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,311 sqft · built 2017
Lot Size	0.192 acres (8,362 sqft)
Owner	Individual Name on Record
Tax Bill	$75 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-1020`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-1020`
Alternative APNs	`17-119-23080-000-1020` `1028369`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,311 sqft Living Area
Gross Area	3,006 sqft
1st Floor Area	2,311 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,362 sqft (0.192 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	145 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2284
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 102 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 3036-3802 OR 3155-3225
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Block	10
Legal Lot Number	102
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2012
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	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · VA Mortgage LIBERTY LENDING INC
Jan 16, 2024	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 21, 2022	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 10, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 19, 2020	Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 29, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Sep 10, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 27, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2020
Deed Sale	Aug 19, 2020
Prior Sale	Mar 27, 2017 · Amount on Record
Deed Document Number	202031181
Deed Book / Page	3155 / 3225
Prior Transfer Date	Aug 12, 2020
Prior Transfer Doc	0031553225
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Aug 10, 2026
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Document Number	0000032841
Book / Page	3408 / 4161
Instrument Date	Jul 22, 2026
Instrument	202632841
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284

Mortgage

Document Number	0000032841,
Date	Aug 10, 2026
Book Page	3408/4161
Instrument	202632841

Lender

Name	LIBERTY LENDING INC

Agreement

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

Interest

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

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284

Mortgage

Document Number	0033124961
Date	Jan 16, 2024
Book Page	3312/4961
Instrument	20240001487

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284

Mortgage

Document Number	0032440007
Date	Mar 21, 2022
Book Page	3244/7
Instrument	20220013207

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284

Mortgage

Document Number	0031964917
Date	May 10, 2021
Book Page	3196/4917
Instrument	20210023132

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Aug 19, 2020
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Document Number	0031553225
Book / Page	3155 / 3225
Map Reference	MB 17 PG 60
Instrument Date	Aug 12, 2020
Instrument	20200031181
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ELEVATED TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284

Mortgage

Document Number	0031553227
Date	Aug 19, 2020
Instrument	3155/3227

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Document Number	0031104247
Instrument Date	Jun 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY FREEPORT FL 324392284, FREEPORT, FL 32439-2284

Mortgage

Document Number	0031104247
Date	Jul 5, 2019
Book Page	003110/004247
Instrument	22482

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Document Number	0030850188
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY FREEPORT FL 324392284, FREEPORT, FL 32439-2284

Mortgage

Document Number	0030850188
Date	Sep 14, 2018
Book Page	003085/000188
Instrument	31081

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2048

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 27, 2017
Property Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284
Document Number	0030363802
Book / Page	3036 / 3802
Map Reference	MB17 PG60
Instrument Date	Mar 24, 2017
Instrument	0009289
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 WINDCHIME WAY, FREEPORT, FL 32439-2284

Mortgage

Document Number	0030363803
Date	Mar 27, 2017
Instrument	3036/3803

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$75.00 Homeowner's exemption Veteran's exemption	$258,033 (-33.77%)	$400,936 (+2.9%) Land $63,378 Building $337,558
2024	$75.00
2023	$75.00 Homeowner's exemption	$389,624 (+10.34%) Land $48,642 Building $340,982	$389,624 (+10.34%) Land $48,642 Building $340,982
2022	$75.00 Homeowner's exemption	$353,125 Land $53,993 Building $299,132	$353,125 Land $53,993 Building $299,132

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
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 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond 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 266 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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