186 Waterside Ln, Freeport, FL 32439 Property Records

Walton County property record for 186 Waterside Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 5,008 sqft · built 1995
Lot Size	0.74 acres (32,234 sqft)
Owner	Trust Name on File
Last Sale	$410,000 (Jan 2019)
Tax Bill	$75 (2025)
Deeds & Mortgages	Mar 2022 Transfer May 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`34-1S-19-23000-001-0080`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23000-001-0080`
Alternative APNs	`34-119-23000-001-0080` `1075810`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	5,008 sqft Living Area
Gross Area	6,524 sqft
1st Floor Area	5,008 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.74 acres)
Lot Dimensions	271 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	596 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	920 sqft
Deck Area	Deck Area
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 WATERSIDE LN
City	FREEPORT
State	FL
Zip	32439-4648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYMALL
Legal Description	COM NE/C OF SEC 34, W ALG N LN OF SEC 34 1879FT, S 01 DEG 08 00W 360.73FT N 87 DEG 0915W 682.15FT, N 78 DEG 5114W 89.68FT, N 60 DEG 1138W 111.79FT TO POB, N 49 DEG 49 50W 28.06FT TO CURVE CONCAVE SW/LY, RADIUS 204.20FT CENTRAL ANGLE 29 DEG 3627(CHORD
Legal Range	019
Legal Township	01S
Legal Section	34
Legal Subdivision	MALLET PINES S/D UNRECD
Legal Block	100
Legal Lot Number	80
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

186 Waterside Ln is owner-occupied and held in a trust since March 2022.

Source: Walton County records, as of December 3, 2025

Owner of Record	Trust Name on File
Mailing Address	186 WATERSIDE LN, FREEPORT, FL 32439-4648
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Intrafamily Transfer, Transfer
May 27, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 14, 2019	Warranty Deed, Transfer · VA Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Prior Sale	Mar 17, 2011 · Amount on File
Deed Document Number	20191128
Deed Book / Page	3094 / 4276
Last Transfer Date	Mar 24, 2022
Transfer Doc	0032443695
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Mar 24, 2022
Property Address	186 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0032443695
Book / Page	3244 / 3695
Map Reference	MB 2558 PG 1276
Instrument Date	Mar 24, 2022
Instrument	20220014004
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 WATERSIDE LN, FREEPORT, FL 32439-4648

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	186 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0031452862
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	186 WATERSIDE LN FREEPORT FL 324394648, FREEPORT, FL 32439-4648

Mortgage

Document Number	0031452862
Date	Jun 8, 2020
Book Page	003145/002862
Instrument	19357

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 14, 2019
Property Address	186 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0030944276
Book / Page	3094 / 4276
Map Reference	MB 2558 PG 1276
Instrument Date	Jan 2, 2019
Instrument	20190001128
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6287 FLANDERS STATION DR, 6287, POLK CITY, FL 33868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 S HOLIDAY RD, MIRAMAR BEACH, FL 32550-4629

Mortgage

Document Number	20190001129
Date	Jan 14, 2019
Instrument	20190001129

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 186 Waterside Ln was $75 with exemptions applied.

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	$75.00 Homeowner's exemption Veteran's exemption	$417,702	$553,047 Land $303,212 Building $249,835
2024	$75.00
2023	$75.00 Homeowner's exemption	$400,027 (-3.39%) Land $144,718 Building $255,309	$400,027 (-3.39%) Land $144,718 Building $255,309
2022	$75.00 Homeowner's exemption	$414,078 Land $160,636 Building $253,442	$414,078 Land $160,636 Building $253,442

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 186 Waterside Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1992–2021)
Claims Outside the SFHA	7 of 68
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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

Wildfire risk around 186 Waterside Ln is moderate, ranking above 64% 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 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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