195 Madison St, Freeport, FL 32439 Property Records

Walton County property record for 195 Madison St, Freeport, FL 32439

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,512 sqft · built 2017
Lot Size	0.437 acres (19,036 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Nov 2024)
Tax Bill	$1,309 (2024)
Deeds & Mortgages	Nov 2024 Sale Sep 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23040-007-0060`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23040-007-0060`
Alternative APN	`1022528`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,528 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,036 sqft (0.437 acres)
Lot Dimensions	38.1 ft deep x 5 ft wide
Porch	Porch
Porch Area	16 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022528
Street Address	195 MADISON ST
City	FREEPORT
State	FL
Zip	32439-3854
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	TOWN OF FREEPORT PB O-J, N 50FT OF LOTS 5 & 6 BLK 7 OR 451-268 OR 1292-190 OR 1872-285 OR 2695-2152 OR 3069-1487 OR 3080-3791
Legal Range	19W
Legal Township	01S
Legal Section	15
Legal Subdivision	TOWN OF FREEPORT
Legal Block	7
Legal Lot Number	5-6 6
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1007
Census Tract	950502

Owner

195 Madison St, a mobile home, is owned and occupied by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	195 MADISON ST, FREEPORT, FL 32439-3854
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
Nov 22, 2024	Warranty Deed, Transfer MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC
Sep 10, 2018	Loan Modification, Mortgage · FHA Mortgage VANDERBILT MTG & FIN
Jul 30, 2018	Grant Deed, Transfer VANDERBILT MTG & FIN
Mar 29, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2024 · Amount on File
Deed Sale	Nov 22, 2024 · Amount on File
Prior Sale	Jul 30, 2018 · Amount on File
Deed Document Number	0033423372
Deed Book / Page	3342 / 3372
Record Updated	Jun 8, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 22, 2024
Property Address	195 MADISON ST, FREEPORT, FL 32439-3854
Document Number	0033423372
Book / Page	3342 / 3372
Instrument Date	Nov 22, 2024
Instrument	20240040889
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transaction

Amount	Amount on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 STAGGERBUSH ST, FREEPORT, FL 32439-0178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	195 MADISON ST, FREEPORT, FL 32439-3854

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	195 MADISON ST, FREEPORT, FL 32439-3854
Document Number	0030852391
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 MADISON ST FREEPORT FL 32439, FREEPORT, FL 32439

Mortgage

Document Number	0030852391
Date	Sep 20, 2018
Book Page	003085/002391
Instrument	31754

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Interest

Rate	5.25%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Jul 30, 2018
Property Address	195 MADISON ST, FREEPORT, FL 32439-3854
Document Number	0030803791
Book / Page	003080 / 003791
Instrument Date	Jul 23, 2018
Instrument	25381
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$139.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26 N SAND PALM RD FREEPORT FL 324393723, FREEPORT, FL 32439-3723

Mortgage

Document Number	30803793
Date	Jul 30, 2018
Book Page	003080/003793
Instrument	25382

Lender

Name	VANDERBILT MTG & FIN
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2048

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WALTON FL
Recording Date	Mar 29, 2018
Property Address	195 MADISON ST, FREEPORT, FL 32439-3854
Document Number	0030691487
Book / Page	003069 / 001487
Instrument Date	Feb 16, 2018
Instrument	10070
Transaction Type	Foreclosure
Record Updated	Apr 11, 2018

Transaction

Amount	Amount on Record
Tax	$4.20
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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		$167,659 Land $61,250 Building $106,409	$167,659 Land $61,250 Building $106,409
2024	$1,309.00 (+29.6%)
2023	$1,010.00 (+13.23%)	$74,567 (+15.76%) Land $13,163 Building $61,404	$74,567 (+15.76%) Land $13,163 Building $61,404
2022	$892.00	$64,415 Land $14,611 Building $49,804	$64,415 Land $14,611 Building $49,804

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 195 Madison 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 A, within 500 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 195 Madison St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 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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