Walton County property record for 229 Speckled Trout Ln N, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,523 sqft · built 2022 |
| Lot Size | 0.151 acres (6,578 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $279,400 (May 2022) |
| Tax Bill | $2,704 (2024) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1S-19-23040-000-2500 |
| Primary APN | 22-1S-19-23040-000-2500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,523 sqft Living Area |
| Gross Area | 2,037 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,578 sqft (0.151 acres) |
| Lot Dimensions | 11.7 ft deep x 4.6 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1039034 |
|---|---|
| Street Address | 229 SPECKLED TROUT LN N |
| City | FREEPORT |
| State | FL |
| Zip | 32439-4196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 250 RIVERWALK PH I PB 18 PG 13 OR 3192-2189 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | RIVERWALK PH I |
| Legal Phase | 1 |
| Legal Lot Number | 250 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 950502 |
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 Record |
|---|---|
| Mailing Address | 229 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED FIDELITY FUNDING CORP |
| Dec 5, 2018 | Grant Deed, Mortgage · Line of Credit BANK OF MO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on Record |
| Deed Sale | May 11, 2022 · Amount on Record |
| Deed Document Number | 0032514444 |
| Deed Book / Page | 3251 / 4444 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 11, 2022 |
| Property Address | 229 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Document Number | 0032514444 |
| Book / Page | 3251 / 4444 |
| Map Reference | MB 18 PG 13&13A-13G |
| Instrument Date | May 11, 2022 |
| Instrument | 20220022467 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,955.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3000 GULF BREEZE PKWY, GULF BREEZE, FL 32563-5623 |
| Name | Verified Name |
|---|---|
| Address | 229 SPECKLED TROUT LN N, FREEPORT, FL 32439-4196 |
| Document Number | 0032514446 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 3251/4446 |
| Name | UNITED FIDELITY FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 5, 2018 |
| Property Address | 229 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 Recorded |
| 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 | $240,098 (+1.84%) Land $35,175 Building $204,923 | $240,098 (+1.84%) Land $35,175 Building $204,923 | |
| 2024 | $2,704.00 (+3.8%) | ||
| 2023 | $2,605.00 (+423.09%) Homeowner's exemption | $235,765 (+503.84%) Land $35,175 Building $200,590 | $235,765 (+503.84%) Land $35,175 Building $200,590 |
| 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.
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 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.
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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