151 Lilly Bell Ln, Freeport, FL 32439 Property Records

Walton County property record for 151 Lilly Bell Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 2017
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Dec 2019)
Tax Bill	$2,175 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23090-000-1860`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23090-000-1860`
Alternative APN	`1028561`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,785 sqft Living Area
Gross Area	2,232 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	11.3 ft deep x 4.5 ft wide
Garage Type	Finished
Garage Area	376 sqft
Porch	Porch
Porch Area	71 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028561
Street Address	151 LILLY BELL LN
City	FREEPORT
State	FL
Zip	32439-7620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 186 SCHOONER LANDING AT HAMMOCK BAY PB 18-20 OR 2908-3748 OR 3032-948 OR 3126-2820
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	SCHOONER LANDING AT HAMMOCK
Legal Lot Number	186
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2028
Census Tract	950502

Owner

Source: Walton County records, as of December 17, 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
Co-owner	Co-owner on Record
Mailing Address	151 LILLY BELL LN, FREEPORT, FL 32439-7620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Dec 9, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 31, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Prior Sale	Jan 31, 2017 · Amount on Record
Deed Document Number	20190042779
Deed Book / Page	3126 / 2820
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	151 LILLY BELL LN, FREEPORT, FL 32439-7620
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 LILLY BELL LN, FREEPORT, FL 32439-7620

Mortgage

Document Number	0033821829
Date	Dec 30, 2025
Book Page	3382/1829
Instrument	20250047782

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 12, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 9, 2019
Property Address	151 LILLY BELL LN, FREEPORT, FL 32439-7620
Document Number	0031262820
Book / Page	3126 / 2820
Map Reference	MB 18 PG 20
Instrument Date	Dec 5, 2019
Instrument	20190042779
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,638.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64 SARONA ST, 64, FREEPORT, FL 32439-7641

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	151 LILLY BELL LN, FREEPORT, FL 32439-7620

Mortgage

Document Number	0031262823
Date	Dec 9, 2019
Instrument	3126/2823

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 31, 2017
Property Address	151 LILLY BELL LN, FREEPORT, FL 32439-7620
Document Number	0030320948
Book / Page	3032 / 0948
Map Reference	MB18 PG20&20A-20C
Instrument Date	Jan 27, 2017
Instrument	0003018
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE OF FLORIDA INC

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	151 LILLY BELL LN, FREEPORT, FL 32439-7620

Mortgage

Document Number	0030320949
Date	Jan 31, 2017
Instrument	3032/0949

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 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		$304,875 (-5.02%) Land $50,000 Building $254,875	$304,875 (-5.02%) Land $50,000 Building $254,875
2024	$2,175.00 (+3.97%)
2023	$2,092.00 (+5.5%) Homeowner's exemption	$321,005 (+10.17%) Land $42,178 Building $278,827	$321,005 (+10.17%) Land $42,178 Building $278,827
2022	$1,983.00 Homeowner's exemption	$291,367 Land $46,818 Building $244,549	$291,367 Land $46,818 Building $244,549

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 A, 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	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% 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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