221 Brushed Dunes Cir, Freeport, FL 32439 Property Records

Walton County property record for 221 Brushed Dunes Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,576 sqft · built 2020
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$329,400 (Apr 2020)
Tax Bill	$2,391 (2024)
Deeds & Mortgages	Apr 2020 Sale & Mortgage May 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14040-00B-0030`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14040-00B-0030`
Alternative APN	`1022165`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,576 sqft Living Area
Gross Area	4,039 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Finished

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022165
Street Address	221 BRUSHED DUNES CIR
City	FREEPORT
State	FL
Zip	32439-6269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK B WINDSWEPT ESTATES PH 4 PB 16-30 OR 2657-4857 OR 2661-1650 OR 2662-3489 OR 2838-380 OR 3106-46 OR 3140-1411
Legal Range	18W
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 4
Legal Phase	4
Legal Block	B
Legal Lot Number	3
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2072
Census Tract	950501

Owner

221 Brushed Dunes Cir is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	221 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
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
Apr 20, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SHELTER MORTGAGE COMPANY LLC
May 20, 2019	Loan Modification, Mortgage FIFTH THIRD BK
May 20, 2019	Warranty Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2020 · Amount on File
Deed Sale	Apr 20, 2020 · Amount on File
Prior Sale	May 20, 2019 · Amount on File
Deed Document Number	20200013636
Deed Book / Page	3140 / 1411
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 20, 2020
Property Address	221 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031401411
Book / Page	3140 / 1411
Map Reference	MB 16 PG 30-30E
Instrument Date	Apr 17, 2020
Instrument	20200013636
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,305.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, 2293, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Investor	Possibly a Property Investor

Mortgage

Document Number	0031401413
Date	Apr 20, 2020
Instrument	3140/1413

Lender

Name	SHELTER MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	221 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031060048
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	HB TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	0031060048
Date	May 20, 2019
Book Page	003106/000048
Instrument	16248

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount on Record

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 20, 2019
Property Address	221 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031060046
Book / Page	003106 / 000046
Instrument Date	May 15, 2019
Instrument	16247
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Tax	$262.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

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		$435,673 Land $81,000 Building $354,673	$435,673 Land $81,000 Building $354,673
2024	$2,391.00 (+3.73%)
2023	$2,305.00 (+0.7%) Homeowner's exemption	$429,900 (+11.98%) Land $76,000 Building $353,900	$429,900 (+11.98%) Land $76,000 Building $353,900
2022	$2,289.00 Homeowner's exemption	$383,915 Land $73,538 Building $310,377	$383,915 Land $73,538 Building $310,377

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

Flood

FEMA maps place 221 Brushed Dunes Cir in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1990.

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 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 221 Brushed Dunes Cir is moderate, ranking above 44% 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 44% of the US · lower than 85% 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	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 73 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Brushed Dunes Cir

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