254 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 254 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,502 sqft · built 2016
Lot Size	0.298 acres (12,981 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Aug 2019)
Tax Bill	$75 (2024)
Deeds & Mortgages	May 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0560`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0560`
Alternative APN	`1028323`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,502 sqft Living Area
Gross Area	4,267 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,981 sqft (0.298 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Porch
Porch Area	324 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028323
Street Address	254 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2289
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 56 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 3011-1211 OR 3114-2522
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	WHISPERS AT HAMMOCK BAY
Legal Lot Number	56
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

254 Windchime Way is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	254 WINDCHIME WAY, FREEPORT, FL 32439-2289
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
May 29, 2020	Deed of Trust, Mortgage · VA Mortgage PARAMOUNT BANK
Aug 12, 2019	Warranty Deed, Transfer · VA Mortgage PARAMOUNT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on File
Deed Sale	Aug 12, 2019 · Amount on File
Prior Sale	Jun 1, 2016 · Amount on File
Deed Document Number	20190027404
Deed Book / Page	3114 / 2522
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	254 WINDCHIME WAY, FREEPORT, FL 32439-2289
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031442390
Date	May 29, 2020
Book Page	3144/2390
Instrument	20200018163

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 12, 2019
Property Address	254 WINDCHIME WAY, FREEPORT, FL 32439-2289
Document Number	0031142522
Book / Page	3114 / 2522
Map Reference	MB 17 PG 60
Instrument Date	Jul 26, 2019
Instrument	20190027404
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 WINDCHIME WAY, FREEPORT, FL 32439-2289

Mortgage

Document Number	0031142529
Date	Aug 12, 2019
Instrument	3114/2529

Lender

Name	PARAMOUNT BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 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		$541,301 Land $52,815 Building $488,486	$541,301 Land $52,815 Building $488,486
2024	$75.00
2023	$75.00 (-98.12%) Homeowner's exemption	$533,990 (+11.78%) Land $40,535 Building $493,455	$533,990 (+11.78%) Land $40,535 Building $493,455
2022	$3,979.00 Homeowner's exemption	$477,706 Land $44,994 Building $432,712	$477,706 Land $44,994 Building $432,712

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

Flood

FEMA maps place 254 Windchime Way 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 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

Wildfire risk around 254 Windchime Way is moderate, ranking above 56% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.09% 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 45 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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