161 Dolphin Cv, #2, Freeport, FL 32439 Property Records

Walton County property record for 161 Dolphin Cv, #2, Freeport, FL 32439

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,472 sqft · built 1988
Lot Size	0.078 acres (3,414 sqft)
Owner	Individual Name on Record
Last Sale	$353,000 (Sep 2022)
Tax Bill	$2,442 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`21-1S-20-32040-000-0020`

Property Details

APN / Parcel Number

Primary APN	`21-1S-20-32040-000-0020`
Alternative APNs	`21-120-32040-000-0020` `1037777`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,472 sqft Living Area
Gross Area	2,028 sqft
Flooring	Tile

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	3,414 sqft (0.078 acres)
Lot Dimensions	198 ft deep x 20 ft wide
Garage Type	Attached
Garage Area	252 sqft
Porch	Enclosed/Finished Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	161 DOLPHIN CV, 2
City	FREEPORT
State	FL
Zip	32439-2270
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	BAYN
Legal Description	UNIT 2 DOLPHIN COVE ESTATES A TOWNHOUSE PB 7-10 OR 711-141 OR 1973-49 OR 3072-944 OR 3267-271
Legal Range	020
Legal Township	01S
Legal Section	21
Legal Subdivision	DOLPHIN COVE ESTATES
Legal Lot Number	20
Legal Unit	2
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3017
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	5187 FOSSIL BUTTE DR, COLORADO SPRINGS, CO 80923-9503
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Feb 4, 2020	Quit Claim Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Apr 30, 2018	Warranty Deed, Transfer · Conventional Mortgage BRYANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Prior Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	202241828
Deed Book / Page	3267 / 271
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	0031320577
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 19, 2022
Property Address	161 DOLPHIN CV # 2, 2, FREEPORT, FL 32439-2270
Document Number	0032670271
Book / Page	3267 / 271
Instrument Date	Sep 15, 2022
Instrument	20220041828
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,471.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 COVE PL, PELHAM, AL 35124-2865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5187 FOSSIL BUTTE DR, COLORADO SPRINGS, CO 80923-9503

Mortgage

Document Number	0003267273
Date	Sep 19, 2022
Instrument	3267/273

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Feb 4, 2020
Property Address	161 DOLPHIN CV # 2, 2, FREEPORT, FL 32439-2270
Document Number	0031320577
Book / Page	3132 / 0577
Instrument Date	Jan 27, 2020
Instrument	20200003848
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount Recorded
Tax	$446.60
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 DOLPHIN CV # 2, 2, FREEPORT, FL 32439-2270

Mortgage

Document Number	0031320580
Date	Feb 4, 2020
Instrument	3132/0580

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 30, 2018
Property Address	161 DOLPHIN CV # 2, 2, FREEPORT, FL 32439-2270
Document Number	0030720944
Book / Page	3072 / 0944
Instrument Date	Apr 27, 2018
Instrument	2018000013954
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

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	1126 E LA RUA ST, 1126, PENSACOLA, FL 32501-4110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 INDIAN LANDING RD, PELHAM, AL 35124-1661

Mortgage

Document Number	2018000013955
Date	Apr 30, 2018
Instrument	2018000013955

Lender

Name	BRYANT BANK
Type	Bank

Agreement

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

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	$2,442.00 (-1.65%)	$287,246 (+10.31%) Land $60,000 Building $227,246	$287,246 (+10.31%) Land $60,000 Building $227,246
2024	$2,483.00 (+14.69%)
2023	$2,165.00 (+37.2%)	$260,400 (+34.78%) Building $260,400	$260,400 (+34.78%) Building $260,400
2022	$1,578.00	$193,200 Building $193,200	$193,200 Building $193,200

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	No
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	Not rated no burnable land within 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 21 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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