154 Harmony Way, Freeport, FL 32439 Property Records

Walton County property record for 154 Harmony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,306 sqft · built 2012
Lot Size	0.525 acres (22,874 sqft)
Owner	Individual Name on Record
Last Sale	$384,000 (Dec 2012)
Tax Bill	$1,708 (2024)
Deeds & Mortgages	Apr 2020 Line of Credit Dec 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23020-000-0150`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23020-000-0150`
Alternative APN	`1027962`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,306 sqft Living Area
Gross Area	5,047 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,874 sqft (0.525 acres)
Garage Type	Finished
Garage Area	713 sqft

Exterior Amenities

Porch	Porch
Porch Area	364 sqft
Patio Area	664 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1027962
Street Address	154 HARMONY WAY
City	FREEPORT
State	FL
Zip	32439-2579
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOTS 14 & 15 HARMONY AT HAMMOCK BAY PB 16-87 OR 2879-1961 OR 2884-4678 OR 2906-2864
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	HARMONY AT HAMMOCK BAY
Legal Lot Number	14-15 15
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
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	154 HARMONY WAY, FREEPORT, FL 32439-2579
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Deed of Trust, Mortgage · Line of Credit THE FIRST
Dec 29, 2017	Loan Modification, Mortgage · Conventional with PMI FIRST FL BK
Dec 29, 2017	Loan Modification, Mortgage · Conventional with PMI FIRST FL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2012 · Amount on Record
Deed Sale	Dec 6, 2012 · Amount on Record
Prior Sale	Mar 2, 2012 · Amount on Record
Deed Document Number	1218582
Deed Book / Page	2906 / 2864
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	154 HARMONY WAY, FREEPORT, FL 32439-2579
Document Number	0031393334
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	154 HARMONY WAY FREEPORT FL 324392579, FREEPORT, FL 32439-2579

Mortgage

Document Number	0031393334
Date	Apr 14, 2020
Book Page	003139/003334
Instrument	12987

Lender

Name	THE FIRST
Address	2000 NINETY-EIGHT PALMS BLVD, DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 13, 2025

Interest

Rate Type	Adjustable Rate

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	154 HARMONY WAY, FREEPORT, FL 32439-2579
Document Number	0030622363
Book / Page	003062 / 002363
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20001A EMERALD COAST PKWY DESTIN FL 325413410, DESTIN, FL 32541-3410

Mortgage

Document Number	0030622363
Date	Jan 5, 2018
Book Page	003062/002363
Instrument	597

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	154 HARMONY WAY, FREEPORT, FL 32439-2579
Document Number	0030684396
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20001A EMERALD COAST PKWY DESTIN FL 325413410, DESTIN, FL 32541-3410

Mortgage

Document Number	0030684396
Date	Mar 26, 2018
Book Page	003068/004396
Instrument	9538

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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		$702,963 (+0.99%) Land $187,000 Building $515,963	$702,963 (+0.99%) Land $187,000 Building $515,963
2024	$1,708.00 (+8.1%)
2023	$1,580.00 (+4.84%) Homeowner's exemption	$696,102 (+7.11%) Land $169,313 Building $526,789	$696,102 (+7.11%) Land $169,313 Building $526,789
2022	$1,507.00 Homeowner's exemption	$649,921 Land $187,937 Building $461,984	$649,921 Land $187,937 Building $461,984

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	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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