24 Waterview Ln, Freeport, FL 32439 Property Records

Walton County property record for 24 Waterview Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,438 sqft · built 1991
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,125,000 (Sep 2025)
Tax Bill	$5,508 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2025 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`18-1S-19-23010-003-0090`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23010-003-0090`
Alternative APNs	`18-119-23010-003-0090` `1030867`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,438 sqft Living Area
Gross Area	3,196 sqft
1st Floor Area	2,438 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	160 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	230 sqft
Patio Area	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	24 WATERVIEW LN
City	FREEPORT
State	FL
Zip	32439-2848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYALAQ
Legal Description	LOT 9 WATERVIEW PLACE S/D A RE -SUBDIVISION OF LOTS 1, 2, 3 & 4 WATERVIEW PLACE OF WATERVIEW COVE PHASE 1 PB 7-44 OR 672-59 OR 2864-2655 OR 2876-1767 OR 2907-4571 OR 3007-2451 OR 3077-875 OR 3370-119
Legal Range	019
Legal Township	01S
Legal Section	18
Legal Subdivision	WATERVIEW PLACE
Legal Phase	1
Legal Block	300
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2083
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 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	2 Individual Names on Record
Mailing Address	100 OCEAN SPRAY CIR, SANTA ROSA BEACH, FL 32459-8783
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Sep 5, 2025	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit MIDSOUTH BANK
Mar 5, 2020	Loan Modification, Mortgage · Conventional Mortgage MIDSOUTH BK
Jun 20, 2018	Warranty Deed, Transfer · Commercial Mortgage MIDSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	Jun 20, 2018 · Amount on Record
Deed Document Number	202532010
Deed Book / Page	3370 / 119
Prior Transfer Date	Dec 13, 2012
Prior Transfer Doc	0029074571
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10002, DOTHAN, AL 36304-2002

Mortgage

Document Number	0032851127
Date	Mar 31, 2023
Book Page	3285/1127
Instrument	20230011123

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	Other
Margin	3
Max Rate	10.7%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848

Mortgage

Document Number	0033771483
Date	Nov 12, 2025
Book Page	3377/1483
Instrument	20250041721

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 5, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 5, 2025
Property Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848
Document Number	0033700119
Book / Page	3370 / 119
Map Reference	MB 7 PG 44
Instrument Date	Sep 1, 2025
Instrument	20250032010
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 LITTLEFIELD RD, TAYLOR, AL 36301-7180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 OCEAN SPRAY CIR, SANTA ROSA BEACH, FL 32459-8783

Mortgage

Document Number	0003370121
Date	Sep 5, 2025
Instrument	3370/121

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031363065
Date	Mar 16, 2020
Book Page	3136/3065
Instrument	20200009513

Lender

Name	MIDSOUTH BANK
Type	Bank
Address	DOTHAN, AL 36301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848
Document Number	0031373211
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2526 W MAIN ST DOTHAN AL 363011226, DOTHAN, AL 36301-1226

Mortgage

Document Number	0031373211
Date	Mar 24, 2020
Book Page	003137/003211
Instrument	10665

Lender

Name	MIDSOUTH BK
Type	Bank
Address	DOTHAN, AL 36301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 20, 2018
Property Address	24 WATERVIEW LN, FREEPORT, FL 32439-2848
Document Number	0030770875
Book / Page	3077 / 0875
Map Reference	MB7 PG44
Instrument Date	Jun 7, 2018
Instrument	2018000020493
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MEAD LAW AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 WATERVIEW LN, 24, FREEPORT, FL 32439-2848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1002, DOTHAN, AL 36302-1002

Mortgage

Document Number	2018000020494
Date	Jun 20, 2018
Instrument	2018000020494

Lender

Name	MIDSOUTH BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 25, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$5,508.00 (+3.34%)	$668,529 (+0.33%) Land $312,000 Building $356,529	$668,529 (+0.33%) Land $312,000 Building $356,529
2024	$5,330.00 (+12.12%)	$666,311 (+13.39%) Land $222,510 Building $443,801	$666,311 (+13.39%) Land $222,510 Building $443,801
2023	$4,754.00 (+3.01%)	$587,602 (+2.61%) Land $222,510 Building $365,092	$587,602 (+2.61%) Land $222,510 Building $365,092
2022	$4,615.00	$572,645 Land $246,986 Building $325,659	$572,645 Land $246,986 Building $325,659

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 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 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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 87 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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