191 Jefferson St, Freeport, FL 32439 Property Records

Walton County property record for 191 Jefferson St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 2003
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on File
Last Sale	$97,000 (Nov 2003)
Tax Bill	$898 (2024)
Deeds & Mortgages	Feb 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23040-011-0070`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23040-011-0070`
Alternative APN	`1022554`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	1,904 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	13 ft deep x 8.1 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Patio Area	460 sqft
Fence	Fence
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022554
Street Address	191 JEFFERSON ST
City	FREEPORT
State	FL
Zip	32439-3421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW/C OF BLK 11 TWN OF FRPT PB O-J; N 01DEG07'26W ALG E R/W OF JEFFERSON ST (50'R/W) 83.00' TO POB; CONT N01DEG07' 26W
Legal Range	19W
Legal Township	01S
Legal Section	15
Legal Subdivision	TOWN/FREEPORT
Legal Block	11
Legal Lot Number	70
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1006
Census Tract	950502

Owner

191 Jefferson St is owned and occupied by two individuals who bought it in November 2003.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	191 JEFFERSON ST, FREEPORT, FL 32439-3421
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2003 · Amount on File
Deed Sale	Nov 13, 2003 · Amount on File
Deed Document Number	790012
Deed Book / Page	2562 / 0938
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	191 JEFFERSON ST, FREEPORT, FL 32439-3421
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 JEFFERSON ST, FREEPORT, FL 32439-3421

Mortgage

Document Number	0033873225
Date	Feb 18, 2026
Book Page	3387/3225
Instrument	20260006013

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

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		$176,600 Land $50,000 Building $126,600	$176,600 Land $50,000 Building $126,600
2024	$898.00 (+5.03%)
2023	$855.00 (+12.2%) Homeowner's exemption	$143,918 (+7.83%) Land $12,320 Building $131,598	$143,918 (+7.83%) Land $12,320 Building $131,598
2022	$762.00 Homeowner's exemption	$133,472 Land $13,675 Building $119,797	$133,472 Land $13,675 Building $119,797

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

Flood

FEMA maps place 191 Jefferson St in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1992.

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
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 191 Jefferson St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, CenturyLink.

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