245 Western St, Freeport, FL 32439 Property Records

Walton County property record for 245 Western St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,023 sqft · built 1963
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Aug 2022)
Tax Bill	$1,304 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-1S-21-41090-00D-0210`

Property Details

APN / Parcel Number

Primary APN	`22-1S-21-41090-00D-0210`
Alternative APN	`22-121-41090-00D-0210`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,023 sqft Living Area
Gross Area	2,517 sqft
1st Floor Area	2,023 sqft
Flooring	Tile
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1975
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	34,848 sqft (0.8 acres)
Lot Dimensions	250 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	434 sqft
Carport	Carport
Carport Area	434 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	60 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	245 WESTERN ST
City	FREEPORT
State	FL
Zip	32439-6629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 BLK D MULLET CREEK S/D PB 2-68 OR 746-115 OR 1338-15 OR 3077-866 OR 3264-4915
Legal Range	021
Legal Township	01S
Legal Section	22
Legal Subdivision	MULLET CREEK
Legal Block	D
Legal Lot Number	21
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1025
Census Tract	950306

Owner

Source: Walton County records, as of August 4, 2026

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	245 WESTERN ST, FREEPORT, FL 32439-6629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Aug 30, 2022	Deed of Trust, Mortgage · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Jun 20, 2018 · Amount on Record
Deed Document Number	202239254
Deed Book / Page	3264 / 4915
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jul 20, 2026
Property Address	245 WESTERN ST, FREEPORT, FL 32439-6629
Document Number	0000029607
Book / Page	3406 / 1024
Instrument Date	Jun 17, 2026
Instrument	202629607
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 WESTERN ST, FREEPORT, FL 32439-6629

Mortgage

Document Number	0000029607,
Date	Jul 20, 2026
Book Page	3406/1024
Instrument	202629607

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Sep 1, 2052

Interest

Rate	6.51%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	245 WESTERN ST, FREEPORT, FL 32439-6629
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1072 MCDANIEL RD, WESTVILLE, FL 32464-2405

Mortgage

Document Number	0032644917
Date	Aug 30, 2022
Book Page	3264/4917
Instrument	20220039255

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33312

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$1,304.00 (-2.69%)	$186,585 (-3.29%) Land $66,582 Building $120,003	$186,585 (-3.29%) Land $66,582 Building $120,003
2024	$1,340.00 (-2.19%)
2023	$1,370.00 (+168.63%) Homeowner's exemption	$192,937 (+20.3%) Land $66,582 Building $126,355	$192,937 (+20.3%) Land $66,582 Building $126,355
2022	$510.00 Homeowner's exemption	$160,382 Land $37,330 Building $123,052	$160,382 Land $37,330 Building $123,052

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 51% of the US · lower than 79% 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 39 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

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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