243 Dickens Dr, Freeport, FL 32439 Property Records

Walton County property record for 243 Dickens Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,308 sqft · built 2016
Lot Size	0.216 acres (9,423 sqft)
Owner	Individual Name on Record
Last Sale	$298,000 (Oct 2019)
Tax Bill	$3,448 (2024)
Deeds & Mortgages	Nov 2025 Transfer Jul 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0520`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0520`
Alternative APN	`1028192`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,308 sqft Living Area
Gross Area	3,060 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,423 sqft (0.216 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028192
Street Address	243 DICKENS DR
City	FREEPORT
State	FL
Zip	32439-2296
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 52 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 3018-820 OR 3122-198
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	52
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
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
Mailing Address	243 DICKENS DR, FREEPORT, FL 32439-2296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Intrafamily Transfer, Transfer
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 27, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBERS FIRST CREDIT UNION OF FLORIDA
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Oct 24, 2019	Warranty Deed, Transfer · FHA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2019 · Amount on Record
Deed Sale	Oct 24, 2019 · Amount on Record
Prior Sale	Oct 24, 2019 · Amount on Record
Deed Document Number	0031220198
Deed Book / Page	003122 / 000198
Last Transfer Date	Nov 10, 2025
Transfer Doc	0033770837
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 10, 2025
Property Address	243 DICKENS DR, FREEPORT, FL 32439-2296
Document Number	0033770837
Book / Page	3377 / 837
Map Reference	MB 17 PG 59
Instrument Date	Jul 25, 2025
Instrument	20250041560
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1137 RED HAWK WAY, SEVERN, MD 21144-3163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 DICKENS DR, FREEPORT, FL 32439-2296

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	243 DICKENS DR, FREEPORT, FL 32439-2296
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 DICKENS DR, FREEPORT, FL 32439-2296

Mortgage

Document Number	0032944505
Date	Jul 6, 2023
Book Page	3294/4505
Instrument	20230023820

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	243 DICKENS DR, FREEPORT, FL 32439-2296
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030560001
Date	Oct 27, 2017
Book Page	3056/0001
Instrument	2017000035643

Lender

Name	MEMBERS FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	PENSACOLA, FL 32591

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2027

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	243 DICKENS DR, FREEPORT, FL 32439-2296
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 DICKENS DR, FREEPORT, FL 32439-2296

Mortgage

Document Number	0031853522
Date	Mar 2, 2021
Book Page	3185/3522
Instrument	20210009948

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 24, 2019
Property Address	243 DICKENS DR, FREEPORT, FL 32439-2296
Document Number	0031220198
Book / Page	003122 / 000198
Instrument Date	Oct 23, 2019
Instrument	37221
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,086.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	243 DICKENS DR FREEPORT FL 324392296, FREEPORT, FL 32439-2296

Mortgage

Document Number	31220200
Date	Oct 24, 2019
Book Page	003122/000200
Instrument	37222

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

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		$403,902 (-5.31%) Land $50,000 Building $353,902	$403,902 (-5.31%) Land $50,000 Building $353,902
2024	$3,448.00 (+3.7%)
2023	$3,325.00 (+5.39%) Homeowner's exemption	$426,540 (+11.22%) Land $40,535 Building $386,005	$426,540 (+11.22%) Land $40,535 Building $386,005
2022	$3,155.00 Homeowner's exemption	$383,501 Land $44,994 Building $338,507	$383,501 Land $44,994 Building $338,507

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 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 48% of the US · lower than 81% 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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