243 Brushed Dunes Cir, Freeport, FL 32439 Property Records

Walton County property record for 243 Brushed Dunes Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,339 sqft · built 2008
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Nov 2021)
Tax Bill	$75 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14040-00B-0040`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14040-00B-0040`
Alternative APNs	`15-118-14040-00B-0040` `1022166`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,339 sqft Living Area
Gross Area	4,299 sqft
1st Floor Area	3,339 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Attached
Garage Area	550 sqft
Porch	Finished Screened Porch
Porch Area	410 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	243 BRUSHED DUNES CIR
City	FREEPORT
State	FL
Zip	32439-6269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GA
Legal Description	LOT 4 BLK B WINDSWEPT ESTATES PH 4 PB 16-30 OR 2657-4010 OR 2711-4343 OR 2789-2770 OR 3100-40 OR 3227-1227
Legal Range	18W
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 4
Legal Phase	4
Legal Block	B
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2072
Census Tract	950501

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Nov 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Mar 19, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Prior Sale	Mar 19, 2019 · Amount on Record
Deed Document Number	202158863
Deed Book / Page	3227 / 1227
Prior Transfer Date	Mar 9, 2006
Prior Transfer Doc	0027114343
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 30, 2021
Property Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0032271227
Book / Page	3227 / 1227
Map Reference	MB 16 PG 30-30E
Instrument Date	Nov 29, 2021
Instrument	20210058863
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	243 BRUSHED DUCE CIRCLE, 243, FREEPORT, FL 32439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269

Mortgage

Document Number	0032271228
Date	Nov 30, 2021
Instrument	3227/1228

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269

Mortgage

Document Number	0031702028
Date	Nov 23, 2020
Book Page	3170/2028
Instrument	20200048113

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031243444
Instrument Date	Nov 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	754 BAY GROVE RD FREEPORT FL 324394810, FREEPORT, FL 32439-4810

Mortgage

Document Number	0031243444
Date	Nov 19, 2019
Book Page	003124/003444
Instrument	40568

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 18, 2034

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 19, 2019
Property Address	243 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031000040
Book / Page	003100 / 000040
Instrument Date	Mar 18, 2019
Instrument	8244
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 BRUSHED DUNES CIR FREEPORT FL 324396269, FREEPORT, FL 32439-6269

Mortgage

Document Number	31000042
Date	Mar 19, 2019
Book Page	003100/000042
Instrument	8245

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 18, 2034

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	$75.00 (-97.83%) Homeowner's exemption Veteran's exemption	$459,226 (-5.62%)	$478,181 (-1.72%) Land $81,000 Building $397,181
2024	$3,449.00 (+3.67%)
2023	$3,327.00 (+0.64%) Homeowner's exemption	$486,558 (+9.76%) Land $76,000 Building $410,558	$486,558 (+9.76%) Land $76,000 Building $410,558
2022	$3,306.00 Homeowner's exemption	$443,273 Land $73,538 Building $369,735	$443,273 Land $73,538 Building $369,735

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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