20 Rhapsody St, Freeport, FL 32439 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,889 sqft · built 2016
Lot Size	0.233 acres (10,154 sqft)
Owner	Individual Name on Record
Last Sale	$789,900 (Oct 2022)
Tax Bill	$8,362 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23060-000-0010`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23060-000-0010`
Alternative APNs	`17-119-23060-000-0010` `1028129`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,889 sqft Living Area
Gross Area	4,107 sqft
1st Floor Area	2,668 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,154 sqft (0.233 acres)
Porch	Slab
Porch Area	218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20 RHAPSODY ST
City	FREEPORT
State	FL
Zip	32439-2273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 1 RHAPSODY AT HAMMOCK BAY PB 17-26 OR 2715-4455 OR 2757-4734 OR 2832-4410 OR 2999-2807 OR 3165-728 OR 3271-2124
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

Source: Walton County records, as of July 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit PROGRESS BANK & TRUST
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST
Nov 9, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 20, 2020	Warranty Deed, Subdivision Related Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Mar 14, 2017	Deed of Trust, Mortgage FIRST FL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Oct 20, 2020 · Amount on Record
Deed Document Number	202247745
Deed Book / Page	3271 / 2124
Prior Transfer Date	Oct 20, 2021
Prior Transfer Doc	0032242928
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273

Mortgage

Document Number	0031900880
Date	Mar 29, 2021
Book Page	3190/880
Instrument	20210015070

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 28, 2022
Property Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273
Document Number	0032712124
Book / Page	3271 / 2124
Map Reference	MB 17 PG 26
Instrument Date	Oct 28, 2022
Instrument	20220047745
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,529.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273

Mortgage

Document Number	0032712125
Date	Oct 28, 2022
Instrument	3271/2125

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	Other
Margin	3
Max Rate	12%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 9, 2021
Property Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273
Document Number	0032242928
Book / Page	3224 / 2928
Map Reference	MB 17 PG 26
Instrument Date	Oct 20, 2021
Instrument	20210055868
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 20, 2020
Property Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273
Document Number	0031650728
Book / Page	003165 / 000728
Instrument Date	Oct 19, 2020
Instrument	41923
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 10, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$4,133.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4 SUNSET BEACH PL NICEVILLE FL 325784822, NICEVILLE, FL 32578-4822

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	20 RHAPSODY ST, FREEPORT, FL 32439-2273
Document Number	0030353904
Book / Page	003035 / 003904
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	127 PARTIN DR N NICEVILLE FL 325782055, NICEVILLE, FL 32578-2055

Mortgage

Document Number	0030353904
Date	Mar 15, 2017
Book Page	003035/003904
Instrument	7944

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$8,362.00 (-3.76%)	$605,462 (+0.89%) Land $47,534 Building $557,928	$605,462 (+0.89%) Land $47,534 Building $557,928
2024	$8,689.00 (+1.5%)
2023	$8,561.00 (+146.15%)	$600,093 (+12.27%) Land $36,482 Building $563,611	$600,093 (+12.27%) Land $36,482 Building $563,611
2022	$3,478.00 Homeowner's exemption	$534,521 Land $40,495 Building $494,026	$534,521 Land $40,495 Building $494,026

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: AT&T, Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rhapsody St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures