Walton County property record for 203 Speckled Trout Ln N, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,232 sqft · built 2022 |
| Lot Size | 0.144 acres (6,316 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,500 (Jun 2023) |
| Tax Bill | $4,125 (2024) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Oct 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1S-19-23040-000-2530 |
| Primary APN | 22-1S-19-23040-000-2530 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,232 sqft Living Area |
| Gross Area | 2,872 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,316 sqft (0.144 acres) |
| Lot Dimensions | 12.3 ft deep x 5.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1039037 |
|---|---|
| Street Address | 203 SPECKLED TROUT LN N |
| City | FREEPORT |
| State | FL |
| Zip | 32439-4196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 253 RIVERWALK PH I PB 18 PG 13 OR 3192-2189 OR 3293-1548 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | RIVERWALK PH I |
| Legal Phase | 1 |
| Legal Lot Number | 253 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 950502 |
203 Speckled Trout Ln N is owned and occupied by an individual who bought it in June 2023.
Source: Walton County records, as of December 17, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 203 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2023 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PRIMELENDING |
| Oct 4, 2019 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NAT'L BK |
| Dec 5, 2018 | Grant Deed, Mortgage · Line of Credit BANK OF MO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2023 · Amount on File |
| Deed Sale | Jun 22, 2023 · Amount on File |
| Deed Document Number | 20230022076 |
| Deed Book / Page | 3293 / 1548 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 22, 2023 |
| Property Address | 203 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Document Number | 0032931548 |
| Book / Page | 3293 / 1548 |
| Map Reference | MB 18 PG 13&13A-13G |
| Instrument Date | Jun 21, 2023 |
| Instrument | 20230022076 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,943.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Document Number | 0032931550 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 3293/1550 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 203 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Document Number | 0031201531 |
| Instrument Date | Oct 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 36008 EMERALD COAST PKWY #301 DESTIN FL 325415732, 301, DESTIN, FL 32541-5732 |
| Document Number | 0031201531 |
|---|---|
| Date | Oct 4, 2019 |
| Book Page | 003120/001531 |
| Instrument | 34789 |
| Name | TRUSTMARK NAT'L BK |
|---|---|
| Type | Bank |
| Address | 7700 US HIGHWAY 98 W, SANTA ROSA BEACH, FL 32459-3270 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Oct 3, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 5, 2018 |
| Property Address | 203 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Document Number | 0030914134 |
| Book / Page | 003091 / 004134 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 40368 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 36008 EMERALD COAST PKWY DESTIN FL 325414792, DESTIN, FL 32541-4792 |
| Document Number | 30914134 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 003091/004134 |
| Instrument | 40368 |
| Name | BANK OF MO |
|---|---|
| Type | Bank |
| Address | 427 WILLIAM ST, CAPE GIRARDEAU, MO 63701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $320,762 Land $35,175 Building $285,587 | $320,762 Land $35,175 Building $285,587 | |
| 2024 | $4,125.00 (-12.72%) | ||
| 2023 | $4,726.00 (+849%) | $356,466 (+812.99%) Land $35,175 Building $321,291 | $356,466 (+812.99%) Land $35,175 Building $321,291 |
| 2022 | $498.00 | $39,044 Land $39,044 | $39,044 Land $39,044 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 203 Speckled Trout Ln N in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1992.
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 File 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 |
|
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 risk around 203 Speckled Trout Ln N is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Cox Communications Fiber | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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