28 Deer Harbour Ct, Freeport, FL 32439 Property Records

Walton County property record for 28 Deer Harbour Ct, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,861 sqft · built 2020
Lot Size	0.314 acres (13,677 sqft)
Owner	Individual Name on File
Last Sale	$358,900 (Oct 2020)
Tax Bill	$2,958 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-1S-19-23010-000-1000`

Property Details

APN / Parcel Number

Primary APN	`30-1S-19-23010-000-1000`
Alternative APNs	`30-119-23010-000-1000` `1066231`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,861 sqft Living Area
Gross Area	2,767 sqft
1st Floor Area	1,861 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,677 sqft (0.314 acres)
Lot Dimensions	128 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	582 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28 DEER HARBOUR CT
City	FREEPORT
State	FL
Zip	32439-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LT 100 AMENDED PLAT BAY HARBOR S/D PB 13-13
Legal Range	019
Legal Township	01S
Legal Section	30
Legal Subdivision	AMENDED PLAT BAY HARBOR
Legal Block	10
Legal Lot Number	100
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2068
Census Tract	950502

Owner

28 Deer Harbour Ct is owned and occupied by an individual who bought it in October 2020.

Source: Walton County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	PO BOX 983, FREEPORT, FL 32439-0983
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
Oct 14, 2020	Warranty Deed, Transfer · VA Mortgage EVERETT FINANCIAL INC
Feb 1, 2018	Warranty Deed, Transfer MITCHELL LAND AND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Prior Sale	Feb 1, 2018 · Amount on File
Deed Document Number	202040872
Deed Book / Page	3164 / 826
Prior Transfer Date	Sep 24, 2010
Prior Transfer Doc	0028531133
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 14, 2020
Property Address	28 DEER HARBOUR CT, FREEPORT, FL 32439-2920
Document Number	0031640826
Book / Page	3164 / 826
Map Reference	MB 13 PG 13-13D
Instrument Date	Oct 13, 2020
Instrument	20200040872
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MITCHELL LAND & TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,512.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	471 HOWARD JONES RD, 471, DEFUNIAK SPRINGS, FL 32433-5808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DEER HARBOUR CT, FREEPORT, FL 32439-2920

Mortgage

Document Number	0003164827
Date	Oct 14, 2020
Instrument	3164/827

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 1, 2018
Property Address	28 DEER HARBOUR CT, FREEPORT, FL 32439-2920
Document Number	0030642778
Book / Page	003064 / 002778
Instrument Date	Jan 30, 2018
Instrument	3446
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	MITCHELL LAND AND TITLE

Transaction

Amount	Amount on Record
Tax	$154.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	471 HOWARD JONES RD DEFUNIAK SPRINGS FL 324335808, DEFUNIAK SPRINGS, FL 32433-5808

Tax Assessment & Valuation

The 2025 property tax bill for 28 Deer Harbour Ct was $2,958 with exemptions applied, down 1.9% 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	$2,958.00 (-1.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$397,245 Land $70,000 Building $327,245	$397,245 Land $70,000 Building $327,245
2024	$3,016.00 (-0.07%)
2023	$3,018.00 (-0.59%) Homeowner's exemption	$425,773 (+9.33%) Land $68,900 Building $356,873	$425,773 (+9.33%) Land $68,900 Building $356,873
2022	$3,036.00 Homeowner's exemption	$389,453 Land $76,479 Building $312,974	$389,453 Land $76,479 Building $312,974

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

Flood

FEMA maps place 28 Deer Harbour Ct 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 28 Deer Harbour Ct is moderate, ranking above 67% 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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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