28 Oyster Blvd, Freeport, FL 32439 Property Records

Walton County property record for 28 Oyster Blvd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,042 sqft · built 2008
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Individual Names on File
Last Sale	$26,500 (Apr 2019)
Tax Bill	$1,898 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-1S-19-23010-000-0620`

Property Details

APN / Parcel Number

Primary APN	`21-1S-19-23010-000-0620`
Alternative APNs	`21-119-23010-000-0620` `1037657`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,042 sqft Living Area
Gross Area	2,890 sqft
1st Floor Area	1,386 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,050 sqft (0.139 acres)
Garage Type	Attached
Garage Area	384 sqft
Porch	Finished/Open Porch
Porch Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28 OYSTER BLVD
City	FREEPORT
State	FL
Zip	32439-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 62 MARINA VILLAGE PH 1 S/D PB 17-56 OR 2881-3771 OR 3308-4086
Legal Range	019
Legal Township	01S
Legal Section	21
Legal Subdivision	MARINA VILLAGE PH 1
Legal Phase	1
Legal Block	6
Legal Lot Number	62
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2135
Census Tract	950502

Owner

28 Oyster Blvd is owned and occupied by two individuals who acquired it in October 2023.

Source: Walton County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Nov 27, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 16, 2017	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on File
Deed Sale	Apr 11, 2019 · Amount on File
Prior Sale	Jan 18, 2012 · Amount on File
Deed Document Number	201911067
Deed Book / Page	3102 / 485
Last Transfer Date	Oct 25, 2023
Transfer Doc	0033084086
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516

Mortgage

Document Number	0032362462
Date	Jan 31, 2022
Book Page	3236/2462
Instrument	20220004296

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 27, 2023
Property Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516
Document Number	0033084086
Book / Page	3308 / 4086
Map Reference	MB 17 PG 56-56E
Instrument Date	Oct 25, 2023
Instrument	20230042445
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	28 OYSTER BLVD, FREEPORT, FL 32439-3516
Document Number	0030444706
Book / Page	003044 / 004706
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OYSTER BLVD FREEPORT FL 324393516, FREEPORT, FL 32439-3516

Mortgage

Document Number	0030444706
Date	Jun 26, 2017
Book Page	003044/004706
Instrument	20772

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	FREEPORT, FL 32439

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 25, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 28 Oyster Blvd was $1,898, down 0.7% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$1,898.00 (-0.68%)	$187,482	$328,919 Land $42,000 Building $286,919
2024	$1,911.00 (+4.08%)
2023	$1,836.00 (+5.52%) Homeowner's exemption	$342,034 (-4.11%) Land $42,000 Building $300,034	$342,034 (-4.11%) Land $42,000 Building $300,034
2022	$1,740.00 Homeowner's exemption	$356,683 Land $46,620 Building $310,063	$356,683 Land $46,620 Building $310,063

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

Flood

FEMA maps place 28 Oyster Blvd in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1989.

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
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 Oyster Blvd is moderate, ranking above 55% 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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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