245 Carol Dr, Freeport, FL 32439 Property Records

Walton County property record for 245 Carol Dr, Freeport, FL 32439

Property Summary

Property Type	Other
Details	2 bd · 1 ba · 520 sqft · built 1958
Lot Size	0.649 acres (28,270 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Apr 2018)
Tax Bill	$1,059 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-1S-19-23080-00F-0090`

Property Details

APN / Parcel Number

Primary APN	`34-1S-19-23080-00F-0090`
Alternative APNs	`34-119-23080-00F-0090` `1076079`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	520 sqft Living Area
Flooring	Wood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,270 sqft (0.649 acres)
Lot Dimensions	325 ft deep x 87 ft wide
Porch	Unfinished Open Porch
Porch Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	245 CAROL DR
City	FREEPORT
State	FL
Zip	32439-4664
Property Category	Other
Property Type	Other > Miscellaneous
Local Zoning Code	BYMALL
Legal Description	LOT 9 LK F LAIRDS 2ND ADDITION PB 3-63 OR 241-431 OR 20-199 OR 2658-107 OR 2671-890 OR 2691-1962 OR 3017-2033 OR 3070-3696
Legal Subdivision	LAIRDS 2ND ADDITION
Legal Block	F
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

245 Carol Dr is owned by an individual who bought it in April 2018.

Source: Walton County records, as of January 16, 2026

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	Individual Name on File
Mailing Address	245 CAROL DR, FREEPORT, FL 32439-4664
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2024	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 12, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BK/MS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2018 · Amount on File
Deed Sale	Apr 12, 2018 · Amount on File
Prior Sale	Aug 5, 2016 · Amount on File
Deed Document Number	201811934
Deed Book / Page	3070 / 3696
Prior Transfer Date	Sep 30, 2005
Prior Transfer Doc	0026911962
Record Updated	Jun 8, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	245 CAROL DR, FREEPORT, FL 32439-4664
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7026, GROVETOWN, GA 30813

Mortgage

Document Number	0033320160
Date	Jul 30, 2024
Book Page	3332/160
Instrument	20240026780

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 12, 2018
Property Address	245 CAROL DR, FREEPORT, FL 32439-4664
Document Number	0030703696
Book / Page	003070 / 003696
Instrument Date	Apr 2, 2018
Instrument	11934
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	REAL TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 WAITS ST BRUCE FL 324554263, BRUCE, FL 32455-4263

Mortgage

Document Number	30703697
Date	Apr 12, 2018
Book Page	003070/003697
Instrument	11935

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 245 Carol Dr was $1,059, up 14.1% from the year before.

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	$1,059.00 (+14.12%)	$165,300 Land $165,300	$165,300 Land $165,300
2024	$928.00 (+24.56%)
2023	$745.00 (+19.01%)	$104,726 (+31.94%) Land $104,726	$104,726 (+31.94%) Land $104,726
2022	$626.00	$79,373 Land $79,373	$79,373 Land $79,373

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

Flood

FEMA maps place 245 Carol Dr in Zone X, an area of minimal 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 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 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 245 Carol Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 59 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
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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