234 Waterside Ln, Freeport, FL 32439 Property Records

Walton County property record for 234 Waterside Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,948 sqft · built 1991
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$885,000 (Oct 2023)
Tax Bill	$4,445 (2024)
Deeds & Mortgages	Oct 2023 Sale May 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`34-1S-19-23000-001-0110`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23000-001-0110`
Alternative APN	`1075814`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,948 sqft Living Area
Gross Area	2,685 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	26.8 ft deep x 12.2 ft wide
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	260 sqft
Deck Area	Deck Area
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1075814
Street Address	234 WATERSIDE LN
City	FREEPORT
State	FL
Zip	32439-4649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYN
Legal Description	COM AT THE NE/C OF SEC 34-1S- 19W THENCE W 1879FT THENCE S 01 DEG 8'00W 360.73FT, N 87 DEG 09'15W 682.15FT RUN N 78 DEG
Legal Range	19W
Legal Township	01S
Legal Section	34
Legal Subdivision	MALLET BAYOU
Legal Block	1
Legal Lot Number	110
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

234 Waterside Ln is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649
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
Oct 16, 2023	Warranty Deed, Transfer WATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW
May 20, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2023 · Amount on File
Deed Sale	Oct 16, 2023 · Amount on File
Prior Sale	Jan 19, 2021 · Amount on File
Deed Document Number	20230037271
Deed Book / Page	3305 / 195
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 16, 2023
Property Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649
Document Number	0033050195
Book / Page	3305 / 195
Instrument Date	Oct 11, 2023
Instrument	20230037271
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	WATERSOUND CLOSINGS & ESCROW LLC, WATERSOUND CLOSINGS & ESCROW

Transaction

Amount	Amount on Record
Tax	$6,195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 HAMMOCK TRL E APT H102, H102, FREEPORT, FL 32439-7677

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649

Mortgage

Document Number	0031984684
Date	May 20, 2021
Book Page	3198/4684
Instrument	20210025515

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 19, 2021
Property Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649
Document Number	0031791220
Book / Page	3179 / 1220
Instrument Date	Jan 15, 2021
Instrument	20210002625
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 WATERSIDE LN, 234, FREEPORT, FL 32439-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649

Mortgage

Document Number	31791222
Date	Jan 19, 2021
Instrument	3179/1222

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 19, 2021
Property Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649
Document Number	0031791220
Book / Page	3179 / 1220
Instrument Date	Jan 15, 2021
Instrument	20210002625
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	234 WATERSIDE LN, FREEPORT, FL 32439-4649

Mortgage

Document Number	0031791222
Date	Jan 19, 2021
Instrument	3179/1222

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

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		$558,078 Land $307,867 Building $250,211	$558,078 Land $307,867 Building $250,211
2024	$4,445.00 (+84.21%)
2023	$2,413.00 (-0.86%) Homeowner's exemption	$384,583 (-1.98%) Land $146,939 Building $237,644	$384,583 (-1.98%) Land $146,939 Building $237,644
2022	$2,434.00 Homeowner's exemption	$392,340 Land $163,103 Building $229,237	$392,340 Land $163,103 Building $229,237

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 234 Waterside Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 234 Waterside Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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 88 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

May also be available: Wildstar Networks.

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