Walton County property record for 172 Shady Ln, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,826 sqft · built 2002 |
| Lot Size | 1.04 acres (45,346 sqft) |
| Owner | Individual Name on File |
| Last Sale | $625,000 (Sep 2025) |
| Tax Bill | $2,736 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Jun 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 03-2S-19-24000-006-0120 |
| Primary APN | 03-2S-19-24000-006-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,826 sqft Living Area |
| Gross Area | 3,143 sqft |
| 1st Floor Area | 1,826 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 45,346 sqft (1.04 acres) |
| Lot Dimensions | 432 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 536 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 781 sqft |
| Patio Area | 570 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 172 SHADY LN |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | COM NW/C OF SE1/4 OF SW1/4, S 00 DEG 2200E 596FT, N 89 DEG 4119E 375.74FT TO THE POB, N 89 DEG 4119E 105.49FT, N 00 DEG 1843W 426.75FT, S 89 DEG 2630W 105.90FT, S 00 DEG 22 00E 426.30FT TO THE POB. OR 2363-616 OR 2430-1192 OR 3027-4684 OR 3027-4686 O |
| Legal Range | 019 |
| Legal Township | 02S |
| Legal Section | 03 |
| Legal Block | 601 |
| Legal Lot Number | 120 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 950501 |
172 Shady Ln is owned and occupied by an individual who bought it in September 2025.
Source: Walton County records, as of December 3, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Oct 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Apr 5, 2017 | Warranty Deed, Transfer MAXWELL FAMILY TRUST (PT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on File |
| Deed Sale | Sep 30, 2025 · Amount on File |
| Prior Sale | Jun 15, 2021 · Amount on File |
| Deed Document Number | 202535485 |
| Deed Book / Page | 3372 / 3268 |
| Prior Transfer Date | Mar 24, 2017 |
| Prior Transfer Doc | 0030373636 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 30, 2025 |
| Property Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Document Number | 0033723268 |
| Book / Page | 3372 / 3268 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 20250035485 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW 30A LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1701 DRIFTERS PEAK ST, LAS VEGAS, NV 89144-5435 |
| Name | Verified Name |
|---|---|
| Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Document Number | 0033723270 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 3372/3270 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.5% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 15, 2021 |
| Property Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Document Number | 0032023843 |
| Book / Page | 3202 / 3843 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 20210030234 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,978.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 172 SHADY LN, 172, FREEPORT, FL 32439-4935 |
| Name | Verified Name |
|---|---|
| Address | 6500 BRIDGE WATER WAY UNIT 204, 204, PANAMA CITY BEACH, FL 32407-8540 |
| Document Number | 32023845 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 3202/3845 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031504092 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 3150/4092 |
| Instrument | 20200025589 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 23, 2018 |
| Property Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Document Number | 0030880924 |
| Book / Page | 3088 / 0924 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 2018000035416 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 227 SHADY LN, 227, FREEPORT, FL 32439-4939 |
| Name | Verified Name |
|---|---|
| Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Document Number | 2018000035417 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 2018000035417 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 5, 2017 |
| Property Address | 172 SHADY LN, FREEPORT, FL 32439-4935 |
| Document Number | 0030373636 |
| Book / Page | 003037 / 003636 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 10617 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2017 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 227 SHADY LN FREEPORT FL 324394939, FREEPORT, FL 32439-4939 |
| Document Number | 30373638 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 003037/003638 |
| Instrument | 10618 |
| Name | MAXWELL FAMILY TRUST (PT) |
|---|---|
| Address | 4108 ALLENHURST DR, PEACHTREE CORNERS, GA 30092-2011 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Apr 4, 2027 |
The 2025 property tax bill for 172 Shady Ln was $2,736, up 1.7% from the year before.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,736.00 (+1.75%) | $360,364 (-9.79%) | $399,458 (-) Land $91,250 Building $308,208 |
| 2024 | $2,689.00 (+4.18%) Homeowner's exemption | $399,458 (+17.99%) Land $91,250 Building $308,208 | $399,458 (+17.99%) Land $91,250 Building $308,208 |
| 2023 | $2,581.00 (-3.59%) Homeowner's exemption | $338,551 (+11.09%) Land $31,843 Building $306,708 | $338,551 (+11.09%) Land $31,843 Building $306,708 |
| 2022 | $2,677.00 | $304,753 Land $35,346 Building $269,407 | $304,753 Land $35,346 Building $269,407 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 172 Shady Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 58 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 76 (1978–2023) |
| Claims Outside the SFHA | 18 of 76 |
| Most Recent Claim | Jul 2023 · other causes |
| Claims by Event |
|
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 risk around 172 Shady Ln is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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