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190 Harmony Way, Freeport, FL 32439 Property Records

Walton County property record for 190 Harmony Way, Freeport, FL 32439

Property Summary

Property TypeSingle Family Home
Details6 bd · 4 ba · 4,047 sqft · built 2017
Lot Size0.442 acres (19,263 sqft)
OwnerIndividual Name on Record
Last Sale$62,000 (Nov 2016)
Tax Bill$4,438 (2024)
Deeds & MortgagesAug 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN17-1S-19-23020-000-0130

Property Details

APN / Parcel Number

Primary APN17-1S-19-23020-000-0130
Alternative APN
  • 1027961

Interior

Bedrooms6 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,047 sqft Living Area
Gross Area4,969 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2017
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area19,263 sqft (0.442 acres)
Garage TypeFinished
Garage Area572 sqft

Exterior Amenities

PorchPorch
Porch Area350 sqft
Deck AreaDeck Area
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1027961
Street Address190 HARMONY WAY
CityFREEPORT
StateFL
Zip32439-2579
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHAMBAY
Legal DescriptionLOT 13 HARMONY AT HAMMOCK BAY PB 16-87 OR 2739-2215 OR 3025-2230
Legal Range19W
Legal Township01S
Legal Section17
Legal SubdivisionHARMONY AT HAMMOCK BAY
Legal Lot Number13
JurisdictionWALTON FL
Township / Civil DivisionFREEPORT
Census Block Group2
Census Block2004
Census Tract950502

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address190 HARMONY WAY, FREEPORT, FL 32439-2579
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 7, 2016 · Amount on Record
Deed SaleNov 7, 2016 · Amount on Record
Prior SaleOct 27, 2006 · Amount on Record
Deed Document Number2016000036508
Deed Book / Page3025 / 2230
Record UpdatedJun 8, 2026

August 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWALTON FL
Property Address190 HARMONY WAY, FREEPORT, FL 32439-2579
Document Number0030502460
Book / Page003050 / 002460
Instrument DateAug 15, 2017
Transaction TypeMortgage
Record UpdatedSep 19, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address190 HARMONY WAY FREEPORT FL 32439, FREEPORT, FL 32439

Mortgage

Document Number0030502460
DateAug 23, 2017
Book Page003050/002460
Instrument28011
Lender
NameFIRST FL BK
TypeBank
AddressDESTIN, FL 32540
Agreement
AmountAmount Recorded
Term360 Months
DueAug 22, 2047
Interest
Rate TypeFixed Rate
Rate4.25%

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
MunicipalityFreeport City
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$714,669 (+3.05%) Land $110,000 Building $604,669$714,669 (+3.05%) Land $110,000 Building $604,669
2024$4,438.00 (+4.37%)
2023$4,252.00 (+5.25%) Homeowner's exemption$693,506 (+10.51%) Land $82,688 Building $610,818$693,506 (+10.51%) Land $82,688 Building $610,818
2022$4,040.00 Homeowner's exemption$627,558 Land $91,783 Building $535,775$627,558 Land $91,783 Building $535,775

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 296 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies296 in force
Nearby Flood Claims56 (1989–2020)
Claims Outside the SFHA8 of 56
Most Recent ClaimSep 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 RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemNORTH BAY WATER SYSTEM
serves 3,171 people · EPA ID FL1664019
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		1,000 / 1,000
Wildstar Networks
Fixed Wireless		200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harmony Way

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