148 Clipper Cv, Freeport, FL 32439 Property Records

Walton County property record for 148 Clipper Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 2000
Lot Size	0.348 acres (15,173 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (May 2020)
Tax Bill	$2,197 (2025)
Deeds & Mortgages	Nov 2019 Mortgage May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`07-1S-19-23170-000-0140`

Property Details

APN / Parcel Number

Primary APN	`07-1S-19-23170-000-0140`
Alternative APNs	`07-119-23170-000-0140` `1010182`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	3,187 sqft
1st Floor Area	1,290 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	15,173 sqft (0.348 acres)
Lot Width	100 ft Width
Garage Type	Carport
Garage Area	638 sqft
Carport	Carport
Carport Area	638 sqft
Porch	Enclosed/Finished Porch
Porch Area	242 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	148 CLIPPER CV
City	FREEPORT
State	FL
Zip	32439-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYALAQ
Legal Description	LOT 14 ALAQUA ISLAND S/D PB 5-50 OR 2076-433 OR 2106-138 OR 2106-139 OR 2370-1661 OR 2501-396 OR 2619-4698 OR 3043-4795 OR 3080-122 OR 3143-2814
Legal Range	019
Legal Township	01S
Legal Section	07
Legal Subdivision	ALAQUA ISLAND
Legal Block	1
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3000
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	148 CLIPPER CV, FREEPORT, FL 32439-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 23, 2018	Warranty Deed, Transfer · Conventional Mortgage H & S TITLE & ESCROW INC
Jun 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Jul 23, 2018 · Amount on Record
Deed Document Number	202017168
Deed Book / Page	3143 / 2814
Prior Transfer Date	Jun 6, 2017
Prior Transfer Doc	0030434795
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	148 CLIPPER CV, FREEPORT, FL 32439-2701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE FIRST NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031252322
Date	Nov 26, 2019
Book Page	3125/2322
Instrument	20190041488

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 20, 2020
Property Address	148 CLIPPER CV, FREEPORT, FL 32439-2701
Document Number	0031432814
Book / Page	3143 / 2814
Map Reference	MB 5 PG 50
Instrument Date	May 20, 2020
Instrument	20200017168
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64 RUTH RD, 64, FREEPORT, FL 32439-2458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 CLIPPER CV, FREEPORT, FL 32439-2701

Mortgage

Document Number	0031432816
Date	May 20, 2020
Instrument	3143/2816

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 23, 2018
Property Address	148 CLIPPER CV, FREEPORT, FL 32439-2701
Document Number	0030800122
Book / Page	3080 / 0122
Map Reference	MB5 PG50
Instrument Date	Jul 2, 2018
Instrument	2018000024413
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	H & S TITLE & ESCROW INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 MORRISON ST, 207, SANTA ROSA BEACH, FL 32459-5576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 GOVERNMENT AVE, NICEVILLE, FL 32578-1806

Mortgage

Document Number	0000000000
Date	Jul 23, 2018
Instrument	2018000024415

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jun 13, 2017
Property Address	148 CLIPPER CV, FREEPORT, FL 32439-2701
Document Number	0030434795
Book / Page	003043 / 004795
Instrument Date	Jun 6, 2017
Instrument	19238
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	207 MORRISON ST SANTA ROSA BEACH FL 324595576, SANTA ROSA BEACH, FL 32459-5576

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	$2,197.00 (+2.57%)	$260,441 (-2.31%) Land $92,608 Building $167,833	$260,441 (-2.31%) Land $92,608 Building $167,833
2024	$2,142.00 (+3.83%)
2023	$2,063.00 (+6.34%)	$266,602 (+9.09%) Land $91,480 Building $175,122	$266,602 (+9.09%) Land $91,480 Building $175,122
2022	$1,940.00	$244,389 Land $101,543 Building $142,846	$244,389 Land $101,543 Building $142,846

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	Yes
Base Flood Elevation	9.0 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 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% 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 40 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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