195 Western St, Freeport, FL 32439 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1995
Lot Size	0.635 acres (27,704 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,036 (2024)
Deeds & Mortgages	Apr 2018 Transfer Apr 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-1S-21-41090-00D-0170`

Property Details

APN / Parcel Number

Primary APN	`22-1S-21-41090-00D-0170`
Alternative APN	`1039136`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	2,097 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,704 sqft (0.635 acres)
Lot Dimensions	37 ft deep x 15 ft wide
Garage Type	Finished
Garage Area	285 sqft
Pool Area	280 sqft
Porch	Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1039136
Street Address	195 WESTERN ST
City	FREEPORT
State	FL
Zip	32439-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EASTERN 185 FT OF LOTS 17 & 18 BLK D MULLET CREEK S/D PB 2-68 OR 735-320 OR 2081-378 OR 3064-1913 OR 3070-2332 OR 3194-1029
Legal Range	21W
Legal Township	01S
Legal Section	22
Legal Subdivision	BLK D MULLET CREEK S/D
Legal Block	D
Legal Lot Number	17-18 18
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1025
Census Tract	950306

Owner

195 Western St is owned and occupied by two individuals who acquired it in April 2021.

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	195 WESTERN ST, FREEPORT, FL 32439-6628
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
Apr 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 10, 2018	Grant Deed ATTORNEY ONLY
Jan 31, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2021
Deed Sale	Apr 21, 2021
Prior Sale	Jan 31, 2018 · Amount on File
Deed Document Number	0031941029
Deed Book / Page	3064 / 1913
Prior Transfer Date	Apr 10, 2018
Prior Transfer Doc	2018000011517
Record Updated	Jun 8, 2026

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Apr 10, 2018
Property Address	195 WESTERN ST, FREEPORT, FL 32439-6628
Document Number	0030702332
Book / Page	003070 / 002332
Instrument Date	Apr 6, 2018
Instrument	11517
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 WESTERN ST FREEPORT FL 324396628, FREEPORT, FL 32439-6628

April 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Apr 10, 2018
Property Address	195 WESTERN ST, FREEPORT, FL 32439-6628
Document Number	0030702333
Book / Page	003070 / 002333
Instrument Date	Apr 6, 2018
Instrument	11518
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 BAY CREST DR TAMPA FL 336154402, TAMPA, FL 33615-4402

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 31, 2018
Property Address	195 WESTERN ST, FREEPORT, FL 32439-6628
Document Number	0030641913
Book / Page	003064 / 001913
Instrument Date	Jan 25, 2018
Instrument	3208
Transaction Type	Transfer
Record Updated	Feb 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4704 BAY CREST DR TAMPA FL 336154402, TAMPA, FL 33615-4402

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		$237,631 Land $115,000 Building $122,631	$237,631 Land $115,000 Building $122,631
2024	$2,036.00 (+4.46%)
2023	$1,949.00 (+14.71%)	$240,792 (+26.55%) Land $115,000 Building $125,792	$240,792 (+26.55%) Land $115,000 Building $125,792
2022	$1,699.00	$190,267 Land $67,261 Building $123,006	$190,267 Land $67,261 Building $123,006

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

Flood

FEMA maps place 195 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 195 Western St is moderate, ranking above 51% 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 51% of the US · lower than 79% 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 39 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

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Western St

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