25 Cathedral St, Freeport, FL 32439 Property Records

Walton County property record for 25 Cathedral St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,915 sqft · built 2024
Lot Size	0.271 acres (11,848 sqft)
Owner	Individual Name on File
Last Sale	$399,700 (Feb 2024)
Tax Bill	$651 (2024)
Deeds & Mortgages	Nov 2024 Mortgage Nov 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-1N-19-17100-000-2390`

Property Details

APN / Parcel Number

Primary APN	`36-1N-19-17100-000-2390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,915 sqft Living Area
Gross Area	2,495 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,848 sqft (0.271 acres)
Lot Dimensions	15.2 ft deep x 7.8 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	25 CATHEDRAL ST
City	FREEPORT
State	FL
Zip	32439-0109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 239 MAGNOLIA AT THE BLUFFS PH 1 PB 25-43 OR 3284-4426 OR 3314-4181
Legal Phase	1
Legal Lot Number	239
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2033
Census Tract	950501

Owner

25 Cathedral St is owned and occupied by an individual who bought it in February 2024.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Mailing Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2024	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 1, 2024	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 6, 2024	Warranty Deed, Subdivision Related Transfer · VA Mortgage DSLD MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2024 · Amount on File
Deed Sale	Feb 6, 2024 · Amount on File
Deed Document Number	20240004133
Deed Book / Page	3314 / 4181
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109

Mortgage

Document Number	0033403247
Date	Nov 1, 2024
Book Page	3340/3247
Instrument	20240038296

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109

Mortgage

Document Number	0033403247
Date	Nov 1, 2024
Book Page	3340/3247
Instrument	20240038296

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

February 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 6, 2024
Property Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109
Document Number	0033144181
Book / Page	3314 / 4181
Map Reference	MB 25 PG 43
Instrument Date	Feb 2, 2024
Instrument	20240004133
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,797.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7660 PECUE LN, BATON ROUGE, LA 70809-5271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CATHEDRAL ST, FREEPORT, FL 32439-0109

Mortgage

Document Number	0033144184
Date	Feb 6, 2024
Instrument	3314/4184

Lender

Name	DSLD MORTGAGE
Type	Mortgage Company

Agreement

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

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		$307,637 Land $49,775 Building $257,862	$307,637 Land $49,775 Building $257,862
2024	$651.00 (+2,612.5%)
2023	$24.00	$1,881 Land $1,881	$1,881 Land $1,881

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 25 Cathedral St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 25 Cathedral St is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% 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	CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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