233 Concert Ct, Freeport, FL 32439 Property Records

Walton County property record for 233 Concert Ct, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,316 sqft · built 2007
Lot Size	0.338 acres (14,761 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Dec 2021)
Tax Bill	$5,091 (2024)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-0460`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-0460`
Alternative APN	`1025860`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,316 sqft Living Area
Gross Area	3,294 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2007
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	14,761 sqft (0.338 acres)
Garage Type	Detached - Finished
Garage Area	552 sqft
Porch	Porch
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1025860
Street Address	233 CONCERT CT
City	FREEPORT
State	FL
Zip	32439-2469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 46 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2715-4455 OR 2771-359 OR 2877-4682 OR 2930-2403 OR 2957-4447 OR 2959-3048 OR
Legal Range	19W
Legal Township	01S
Legal Section	16
Legal Subdivision	SYMPHONY AT HAMMOCK BAY
Legal Lot Number	46
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	233 CONCERT CT, FREEPORT, FL 32439-2469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit PANHANDLE CU
Jul 14, 2023	Deed of Trust, Mortgage · Line of Credit PANHANDLE CU
Dec 21, 2021	Warranty Deed, Transfer UNKNOWN, BRADLEY TITLE LLC
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG
Nov 9, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Prior Sale	Nov 9, 2018 · Amount on Record
Deed Document Number	20210063068
Deed Book / Page	3230 / 3595
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	233 CONCERT CT, FREEPORT, FL 32439-2469
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 CONCERT CT, FREEPORT, FL 32439-2469

Mortgage

Document Number	0032941253
Date	Jun 30, 2023
Book Page	3294/1253
Instrument	20230023252

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Jun 26, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	233 CONCERT CT, FREEPORT, FL 32439-2469
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 CONCERT CT, FREEPORT, FL 32439-2469

Mortgage

Document Number	0032954057
Date	Jul 14, 2023
Book Page	3295/4057
Instrument	20230025053

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	203 Months
Due	Jun 26, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 21, 2021
Property Address	233 CONCERT CT, FREEPORT, FL 32439-2469
Document Number	0032303595
Book / Page	3230 / 3595
Map Reference	MB 17 PG 27A-27D
Instrument Date	Dec 17, 2021
Instrument	20210063068
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	233 CONCERT CT, FREEPORT, FL 32439-2469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2610 E 132ND AVE, DENVER, CO 80241-2068

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	233 CONCERT CT, FREEPORT, FL 32439-2469
Document Number	0031411403
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	233 CONCERT CT FREEPORT FL 324392469, FREEPORT, FL 32439-2469

Mortgage

Document Number	0031411403
Date	Apr 29, 2020
Book Page	003141/001403
Instrument	14697

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 9, 2018
Property Address	233 CONCERT CT, FREEPORT, FL 32439-2469
Document Number	0030894740
Book / Page	003089 / 004740
Instrument Date	Nov 9, 2018
Instrument	37788
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
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	233 CONCERT CT FREEPORT FL 324392469, FREEPORT, FL 32439-2469

Mortgage

Document Number	30894742
Date	Nov 9, 2018
Book Page	003089/004742
Instrument	37789

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2048

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		$386,992 (-8.51%) Land $76,712 Building $310,280	$386,992 (-8.51%) Land $76,712 Building $310,280
2024	$5,091.00 (-12.77%)
2023	$5,836.00 (+3.24%) Homeowner's exemption	$422,976 (+12.84%) Land $76,712 Building $346,264	$422,976 (+12.84%) Land $76,712 Building $346,264
2022	$5,653.00	$374,843 Land $60,897 Building $313,946	$374,843 Land $60,897 Building $313,946

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

Flood

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 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% 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.

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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: CenturyLink.

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