194 Western St, Freeport, FL 32439 Property Records

Walton County property record for 194 Western St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 2017
Lot Size	0.257 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Feb 2016)
Tax Bill	$816 (2024)
Deeds & Mortgages	Oct 2017 Loan Modification Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-1S-21-41090-00C-0200`

Property Details

APN / Parcel Number

Primary APN	`22-1S-21-41090-00C-0200`
Alternative APN	`1084438`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	1,916 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Lot Dimensions	15 ft deep x 7.5 ft wide
Garage Type	Finished
Garage Area	576 sqft
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1084438
Street Address	194 WESTERN ST
City	FREEPORT
State	FL
Zip	32439-6663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 BLK C MULLET CREEK S/D PB 2-68A OR 482-138 OR 2703-719 OR 3003-525
Legal Range	21W
Legal Township	01S
Legal Section	22
Legal Subdivision	BLK C MULLET CREEK S/D
Legal Block	C
Legal Lot Number	20
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1026
Census Tract	950306

Owner

194 Western St is owned and occupied by two individuals who bought it in February 2016.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	194 WESTERN ST, FREEPORT, FL 32439-6663
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

Date	Document
Oct 4, 2017	Loan Modification, Mortgage COASTAL BK & TR DIV SYNOVUS BK
Mar 2, 2017	Deed of Trust, Mortgage COASTAL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2016 · Amount on File
Deed Sale	Feb 25, 2016 · Amount on File
Deed Document Number	0003003525
Record Updated	Jun 8, 2026

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	194 WESTERN ST, FREEPORT, FL 32439-6663
Document Number	0030551565
Book / Page	003055 / 001565
Instrument Date	Oct 4, 2017
Transaction Type	Mortgage
Record Updated	Dec 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	194 WESTERN ST FREEPORT FL 324396663, FREEPORT, FL 32439-6663

Mortgage

Document Number	0030551565
Date	Oct 18, 2017
Book Page	003055/001565
Instrument	34592

Lender

Name	COASTAL BK & TR DIV SYNOVUS BK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2047

Interest

Rate	3.87%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	194 WESTERN ST, FREEPORT, FL 32439-6663
Document Number	0030344653
Book / Page	003034 / 004653
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	Apr 7, 2017
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	147 WESTERN ST FREEPORT FL 324396628, FREEPORT, FL 32439-6628

Mortgage

Document Number	0030344653
Date	Mar 6, 2017
Book Page	003034/004653
Instrument	6783

Lender

Name	COASTAL BK&TR
Type	Bank
Address	PENSACOLA, FL 32504

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2047

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$201,827 Land $46,875 Building $154,952	$201,827 Land $46,875 Building $154,952
2024	$816.00 (+4.35%)
2023	$782.00 (+1.56%) Homeowner's exemption	$203,398 (+10.2%) Land $46,875 Building $156,523	$203,398 (+10.2%) Land $46,875 Building $156,523
2022	$770.00 Homeowner's exemption	$184,577 Land $33,631 Building $150,946	$184,577 Land $33,631 Building $150,946

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

Flood

FEMA maps place 194 Western St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 194 Western St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Western St

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