198 Waterside Ln, Freeport, FL 32439 Property Records

Walton County property record for 198 Waterside Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,790 sqft · built 2018
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Trust Names on Record
Last Sale	$675,300 (Aug 2021)
Tax Bill	$3,179 (2025)
Deeds & Mortgages	Oct 2021 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`34-1S-19-23000-001-0081`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23000-001-0081`
Alternative APNs	`34-119-23000-001-0081` `1075811`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,790 sqft Living Area
Gross Area	2,578 sqft
1st Floor Area	1,790 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	248 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished Screened Porch
Porch Area	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	198 WATERSIDE LN
City	FREEPORT
State	FL
Zip	32439-4648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYMALL
Legal Description	COM NE/COR SEC 34,W ALONG W LINE 1879.00FT,S 01 DEG 08'00 W 360.73FT, N 87 DEG 09'15W 682.15FT, N 78 DEG 51'14W 89.68FT, N 60 DEG 11'38W 111.79FT, N 49 DEG 49'50W 28.06FT TO CURVE CONCAVE SW/LY RADIUS 204.20FT CENTRAL ANGLE 29 DEG 36'27 CHORD B&D
Legal Range	019
Legal Township	01S
Legal Section	34
Legal Subdivision	MALLET PINES S/D UNRECD
Legal Block	100
Legal Lot Number	81
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

Source: Walton County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	198 WATERSIDE LN, FREEPORT, FL 32439-4648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Aug 10, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 11, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Prior Sale	Dec 6, 2016 · Amount on Record
Deed Document Number	202140098
Deed Book / Page	3211 / 654
Last Transfer Date	Oct 4, 2021
Transfer Doc	0032190799
Record Updated	Jun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Oct 4, 2021
Property Address	198 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0032190799
Book / Page	3219 / 799
Map Reference	MB 2558 PG 1276
Instrument Date	Oct 4, 2021
Instrument	20210049602
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	198 WATERSIDE LN, FREEPORT, FL 32439-4648

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 10, 2021
Property Address	198 WATERSIDE LN, FREEPORT, FL 32439-4648
Document Number	0032110654
Book / Page	3211 / 654
Map Reference	MB 2558 PG 1276
Instrument Date	Aug 6, 2021
Instrument	20210040098
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,727.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1194 STETSON ST, THE VILLAGES, FL 32163-5810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5753 HIGHWAY 85 N # 4201, 4201, CRESTVIEW, FL 32536-9365

Mortgage

Document Number	0003211657
Date	Aug 10, 2021
Instrument	3211/657

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	198 WATERSIDE LN, FREEPORT, FL 32439-4648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030921296
Date	Dec 11, 2018
Book Page	3092/1296
Instrument	2018000041004

Lender

Name	REGIONS BANK
Type	Bank
Address	MILWAUKEE, WI 53211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$3,179.00 (+1.73%) Homeowner's exemption	$414,158 (+5.99%)	$526,615 (+34.77%) Land $259,896 Building $266,719
2024	$3,125.00 (+3.65%)
2023	$3,015.00 (-4.38%) Homeowner's exemption	$390,763 (-1.75%) Land $124,044 Building $266,719	$390,763 (-1.75%) Land $124,044 Building $266,719
2022	$3,153.00 Homeowner's exemption	$397,725 Land $137,688 Building $260,037	$397,725 Land $137,688 Building $260,037

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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