202 Waterview Cove Dr, Freeport, FL 32439 Property Records

Walton County property record for 202 Waterview Cove Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,726 sqft · built 1991
Lot Size	0.438 acres (19,113 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jul 2023)
Tax Bill	$4,358 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23010-005-0010`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23010-005-0010`
Alternative APN	`1030880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,726 sqft Living Area
Gross Area	2,412 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,113 sqft (0.438 acres)
Garage Type	Finished
Garage Area	390 sqft

Exterior Amenities

Porch	Porch
Porch Area	216 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1030880
Street Address	202 WATERVIEW COVE DR
City	FREEPORT
State	FL
Zip	32439-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2 DOGWOOD PLACE AT WATERVIEW COVE PHASE I PB 7-22 OR 912-320 OR 3224-1143 OR 3295-345
Legal Range	19W
Legal Township	01S
Legal Section	18
Legal Subdivision	WATERVIEW COVE PHASE I
Legal Phase	1
Legal Block	5
Legal Lot Number	1-2 2
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2084
Census Tract	950502

Owner

202 Waterview Cove Dr is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805
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
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Nov 5, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Prior Sale	Nov 5, 2021 · Amount on File
Deed Document Number	0003295345
Deed Book / Page	3295 / 345
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 7, 2023
Property Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805
Document Number	0032950345
Book / Page	3295 / 345
Map Reference	MB 7 PG 22
Instrument Date	Jul 7, 2023
Instrument	20230024036
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805

Mortgage

Document Number	0003295347
Date	Jul 7, 2023
Instrument	3295/347

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 5, 2021
Property Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805
Document Number	0032241143
Book / Page	3224 / 1143
Map Reference	MB 7 PG 22
Instrument Date	Nov 2, 2021
Instrument	20210055422
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1011, FREEPORT, FL 32439-1011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805

Mortgage

Document Number	0032241144
Date	Nov 5, 2021
Instrument	3224/1144

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	202 WATERVIEW COVE DR, FREEPORT, FL 32439-2805
Document Number	0030681176
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 WATERVIEW COVE DR FREEPORT FL 324392805, FREEPORT, FL 32439-2805

Mortgage

Document Number	0030681176
Date	Mar 16, 2018
Book Page	003068/001176
Instrument	8664

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 15, 2021

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		$275,129 Land $58,776 Building $216,353	$275,129 Land $58,776 Building $216,353
2024	$4,358.00 (+85.13%)
2023	$2,354.00 (+5.47%) Homeowner's exemption	$280,505 (+6.88%) Land $58,776 Building $221,729	$280,505 (+6.88%) Land $58,776 Building $221,729
2022	$2,232.00 Homeowner's exemption	$262,449 Land $65,242 Building $197,207	$262,449 Land $65,242 Building $197,207

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

Flood

FEMA maps place 202 Waterview Cove 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 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

Wildfire risk around 202 Waterview Cove Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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 87 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

May also be available: Wildstar Networks.

Cell Coverage

5G and 4G LTE (outdoors only)

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