202 Sycamore Dr, Freeport, FL 32439 Property Records

Walton County property record for 202 Sycamore Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 2020
Lot Size	0.864 acres (37,636 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Jan 2019)
Tax Bill	$1,715 (2024)
Deeds & Mortgages	Oct 2019 Construction Loan Jan 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41010-004-0070`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41010-004-0070`
Alternative APN	`1058498`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	2,560 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,636 sqft (0.864 acres)
Lot Dimensions	30.3 ft deep x 38.6 ft wide
Garage Type	Finished
Fence	Fence
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1058498
Street Address	202 SYCAMORE DR
City	FREEPORT
State	FL
Zip	32439-6601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 & 8 BLK 4 CHEROKEE S/D PB 2-73 OR 1566-165 OR 2314-418 OR 3078-3073 OR 3095-588
Legal Range	21W
Legal Township	01S
Legal Section	28
Legal Subdivision	CHEROKEE S/D
Legal Block	4
Legal Lot Number	7-8 8
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1029
Census Tract	950306

Owner

202 Sycamore Dr is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	202 SYCAMORE DR, FREEPORT, FL 32439-6601
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
Oct 29, 2019	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Jan 16, 2019	Warranty Deed, Transfer FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC
Jul 5, 2018	Warranty Deed, Construction Loan · Construction Mortgage PEOPLES NAT'L BK
Jul 5, 2018	Warranty Deed, Transfer BRIGHT LIGHT LAND TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2019 · Amount on File
Deed Sale	Jan 16, 2019 · Amount on File
Prior Sale	Jul 5, 2018 · Amount on File
Deed Document Number	20190001545
Deed Book / Page	3095 / 0588
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	202 SYCAMORE DR, FREEPORT, FL 32439-6601
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031222076
Date	Oct 29, 2019
Book Page	3122/2076
Instrument	20190037736

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 16, 2019
Property Address	202 SYCAMORE DR, FREEPORT, FL 32439-6601
Document Number	0030950588
Book / Page	003095 / 000588
Instrument Date	Jan 10, 2019
Instrument	1545
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 HAMPTON CIR NICEVILLE FL 325783937, NICEVILLE, FL 32578-3937

July 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 5, 2018
Property Address	202 SYCAMORE DR, FREEPORT, FL 32439-6601
Document Number	0030783041
Book / Page	003078 / 003041
Instrument Date	Jun 28, 2018
Instrument	22423
Transaction Type	Construction Loan
Record Updated	Jul 20, 2018
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	179 MAGNOLIA ST NICEVILLE FL 325788146, NICEVILLE, FL 32578-8146

Mortgage

Document Number	30783043
Date	Jul 5, 2018
Book Page	003078/003043
Instrument	22424

Lender

Name	PEOPLES NAT'L BK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 4, 2019

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 5, 2018
Property Address	202 SYCAMORE DR, FREEPORT, FL 32439-6601
Document Number	0030783073
Book / Page	003078 / 003073
Instrument Date	Jun 28, 2018
Instrument	22429
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1491 18TH ST NICEVILLE FL 325784610, NICEVILLE, FL 32578-4610

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		$414,800 Land $153,125 Building $261,675	$414,800 Land $153,125 Building $261,675
2024	$1,715.00 (+3.81%)
2023	$1,652.00 (+0.85%) Homeowner's exemption	$418,319 (+16.17%) Land $154,375 Building $263,944	$418,319 (+16.17%) Land $154,375 Building $263,944
2022	$1,638.00 Homeowner's exemption	$360,084 Land $104,256 Building $255,828	$360,084 Land $104,256 Building $255,828

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

Flood

FEMA maps place 202 Sycamore Dr 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 202 Sycamore Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of 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	0.09% 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	LAKE SHARON ESTATES private · serves 160 people · EPA ID FL1660407
Water Source	Groundwater
Last State Inspection	Jul 2025
Also Mapped Here	NORTH BAY WATER SYSTEM
Lead	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 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

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