232 Tropical Way, Freeport, FL 32439 Property Records

Walton County property record for 232 Tropical Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,940 sqft · built 2005
Lot Size	0.334 acres (14,535 sqft)
Owner	Company Name on File
Last Sale	$184,900 (Jul 2018)
Tax Bill	$2,641 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jul 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33-1S-19-23033-00A-0060`

Property Details

APN / Parcel Number

Primary APN	`33-1S-19-23033-00A-0060`
Alternative APNs	`33-119-23033-00A-0060` `1073015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,940 sqft Living Area
Gross Area	2,700 sqft
1st Floor Area	1,040 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,535 sqft (0.334 acres)
Lot Dimensions	190 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 TROPICAL WAY
City	FREEPORT
State	FL
Zip	32439-4788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 6 BLK A BRANDON OAKS 2ND ADDITION S/D PB 16-76 OR 2732-1324 OR 2885-360 OR 2887-1313 OR 2972-2662 OR 3047-2186 OR 3080-3711 OR 3209-2893 OR 3261-2717
Legal Range	019
Legal Township	01S
Legal Section	33
Legal Subdivision	BRANDON OAKS 2ND ADDITION
Legal Block	A
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1041
Census Tract	950502

Owner

232 Tropical Way is owned by a company that acquired it in July 2022.

Source: Walton County records, as of December 3, 2025

Owner of Record	Company Name on File
Mailing Address	546 SHELTER COVE DR, SANTA ROSA BEACH, FL 32459-3156
Owner Type	Company
Vesting	Life Tenant

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 28, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 30, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage BEACH COMMUNITY MORTGAGE SERVICES INC
Jul 30, 2018	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LNDG
Jul 20, 2017	Warranty Deed, Transfer MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	Jul 20, 2017 · Amount on File
Deed Document Number	201825354
Deed Book / Page	3080 / 3711
Last Transfer Date	Jul 27, 2022
Transfer Doc	0032612717
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 28, 2022
Property Address	232 TROPICAL WAY, FREEPORT, FL 32439-4788
Document Number	0032612717
Book / Page	3261 / 2717
Map Reference	MB 16 PG 76
Instrument Date	Jul 27, 2022
Instrument	20220034732
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	546 SHELTER COVE DR, SANTA ROSA BEACH, FL 32459-3156

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7750 LUND RD, MILTON, FL 32570-9293

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 30, 2021
Property Address	232 TROPICAL WAY, FREEPORT, FL 32439-4788
Document Number	0032092893
Book / Page	3209 / 2893
Map Reference	MB 16 PG 76
Instrument Date	Jul 20, 2021
Instrument	20210038291
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	546 SHELTER COVE DR, SANTA ROSA BEACH, FL 32459-3156

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	232 TROPICAL WAY, FREEPORT, FL 32439-4788
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 SHELTER COVE DR, SANTA ROSA BEACH, FL 32459-3156

Mortgage

Document Number	0031580793
Date	Sep 2, 2020
Book Page	3158/793
Instrument	20200034032

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2040

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 30, 2018
Property Address	232 TROPICAL WAY, FREEPORT, FL 32439-4788
Document Number	0030803711
Book / Page	003080 / 003711
Instrument Date	Jul 30, 2018
Instrument	25354
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	MITCHELL LAND AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,294.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	546 SHELTER COVE DR SANTA ROSA BEACH FL 324593156, SANTA ROSA BEACH, FL 32459-3156

Mortgage

Document Number	30803712
Date	Jul 30, 2018
Book Page	003080/003712
Instrument	25355

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 20, 2017
Property Address	232 TROPICAL WAY, FREEPORT, FL 32439-4788
Document Number	0030472186
Book / Page	003047 / 002186
Instrument Date	Jul 19, 2017
Instrument	23905
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	567 LAKEVIEW DR DEFUNIAK SPRINGS FL 324334052, DEFUNIAK SPRINGS, FL 32433-4052

Tax Assessment & Valuation

The 2025 property tax bill for 232 Tropical Way was $2,641, down 0.5% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$2,641.00 (-0.53%)	$321,123 Land $50,000 Building $271,123	$321,123 Land $50,000 Building $271,123
2024	$2,655.00 (+5.11%)
2023	$2,526.00 (+6.85%)	$338,763 (+10.04%) Land $32,648 Building $306,115	$338,763 (+10.04%) Land $32,648 Building $306,115
2022	$2,364.00	$307,842 Land $36,239 Building $271,603	$307,842 Land $36,239 Building $271,603

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

Flood

FEMA maps place 232 Tropical Way 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	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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 232 Tropical Way is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 107 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tropical Way

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