20 Cornelia St, Freeport, FL 32439 Property Records

Walton County property record for 20 Cornelia St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,775 sqft · built 2018
Lot Size	0.123 acres (5,401 sqft)
Owner	Individual Name on File
Last Sale	$203,775 (Aug 2018)
Tax Bill	$1,895 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23090-000-0840`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23090-000-0840`
Alternative APN	`1028459`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,775 sqft Living Area
Gross Area	2,254 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,401 sqft (0.123 acres)
Lot Dimensions	11.3 ft deep x 4.8 ft wide
Garage Type	Finished
Garage Area	385 sqft
Porch	Porch
Porch Area	94 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028459
Street Address	20 CORNELIA ST
City	FREEPORT
State	FL
Zip	32439-7630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 84 SCHOONER LANDING AT HAMMOCK BAY PB 18-20 OR 2908-3748 OR 3081-908
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	SCHOONER LANDING AT HAMMOCK
Legal Lot Number	84
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2054
Census Tract	950502

Owner

Source: Walton County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	20 CORNELIA ST, FREEPORT, FL 32439-7630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 16, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Aug 1, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	2018000025891
Deed Book / Page	3081 / 0908
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	20 CORNELIA ST, FREEPORT, FL 32439-7630
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CORNELIA ST, FREEPORT, FL 32439-7630

Mortgage

Document Number	0032130127
Date	Aug 24, 2021
Book Page	3213/127
Instrument	20210042364

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	20 CORNELIA ST, FREEPORT, FL 32439-7630
Document Number	0031250600
Instrument Date	Nov 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 CORNELIA ST FREEPORT FL 324397630, FREEPORT, FL 32439-7630

Mortgage

Document Number	0031250600
Date	Nov 22, 2019
Book Page	003125/000600
Instrument	41082

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

August 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 1, 2018
Property Address	20 CORNELIA ST, FREEPORT, FL 32439-7630
Document Number	0030810908
Book / Page	3081 / 0908
Map Reference	MB18 PG20,20A-20C
Instrument Date	Jul 27, 2018
Instrument	2018000025891
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CORNELIA ST, FREEPORT, FL 32439-7630

Mortgage

Document Number	2018000025892
Date	Aug 1, 2018
Instrument	2018000025892

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

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		$299,100 (-4.12%) Land $50,000 Building $249,100	$299,100 (-4.12%) Land $50,000 Building $249,100
2024	$1,895.00 (+4.06%)
2023	$1,821.00 (+5.57%) Homeowner's exemption	$311,944 (+9.15%) Land $42,178 Building $269,766	$311,944 (+9.15%) Land $42,178 Building $269,766
2022	$1,725.00 Homeowner's exemption	$285,790 Land $46,818 Building $238,972	$285,790 Land $46,818 Building $238,972

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 296 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	296 in force
Nearby Flood Claims	56 (1989–2020)
Claims Outside the SFHA	8 of 56
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 12 claims Hurricane Frances, Sep 2004 · 18 claims Hurricane Opal, Oct 1995 · 13 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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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