28 Prospect St, Freeport, FL 32439 Property Records

Walton County property record for 28 Prospect St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,709 sqft · built 2022
Lot Size	0.169 acres (7,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (May 2022)
Tax Bill	$3,774 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23080-000-0020`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23080-000-0020`
Alternative APNs	`15-119-23080-000-0020` `1022632`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,709 sqft Living Area
Gross Area	2,277 sqft
1st Floor Area	1,709 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,356 sqft (0.169 acres)
Garage Type	Attached
Garage Area	418 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	28 PROSPECT ST
City	FREEPORT
State	FL
Zip	32439-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNI
Legal Description	LOT 2 PROSPECT PARK S/D PB 17 PG 37 OR 2706-340 OR 2857-1584 OR 2939-343 OR 3038-3904 OR 3254-891 OR 3267-2616
Legal Range	019
Legal Township	01S
Legal Section	15
Legal Subdivision	PROSPECT PARK
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1008
Census Tract	950502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28 PROSPECT ST, FREEPORT, FL 32439-3802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Line of Credit UNITED FIDELITY BANK FSB
Sep 22, 2022	Intrafamily Transfer, Transfer
May 31, 2022	Warranty Deed, Transfer UNKNOWN, BRADLEY TITLE LLC
Apr 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Apr 18, 2017 · Amount on Record
Deed Document Number	202225393
Deed Book / Page	3254 / 891
Last Transfer Date	Sep 22, 2022
Transfer Doc	0032672616
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	28 PROSPECT ST, FREEPORT, FL 32439-3802
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1269 OLD MONROE MADISON HWY, MONROE, GA 30655-7239

Mortgage

Document Number	0032204610
Date	Oct 15, 2021
Book Page	3220/4610
Instrument	20210051641

Lender

Name	UNITED FIDELITY BANK FSB
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 8, 2022

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Sep 22, 2022
Property Address	28 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0032672616
Book / Page	3267 / 2616
Map Reference	MB 17 PG 37
Instrument Date	Sep 22, 2022
Instrument	20220042487
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 PROSPECT ST, FREEPORT, FL 32439-3802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PROSPECT ST, FREEPORT, FL 32439-3802

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 31, 2022
Property Address	28 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0032540891
Book / Page	3254 / 891
Map Reference	MB 17 PG 37
Instrument Date	May 27, 2022
Instrument	20220025393
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1269 OLD MONROE MADISON HWY, MONROE, GA 30655-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 782, NICEVILLE, FL 32588-0782

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 18, 2017
Property Address	28 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0030383904
Book / Page	003038 / 003904
Instrument Date	Apr 13, 2017
Instrument	12095
Transaction Type	Transfer
Record Updated	May 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$371.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1269 OLD MONROE MADISON HWY MONROE GA 306557239, MONROE, GA 30655-7239

Tax Assessment & Valuation

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	$3,774.00 (-1.1%)	$337,233 (+5.97%) Land $28,000 Building $309,233	$337,233 (+5.97%) Land $28,000 Building $309,233
2024	$3,816.00 (+3.67%)
2023	$3,681.00 (+2,172.22%) Homeowner's exemption	$318,249 (+1,302.41%) Land $20,444 Building $297,805	$318,249 (+1,302.41%) Land $20,444 Building $297,805
2022	$162.00	$22,693 Land $22,693	$22,693 Land $22,693

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 126 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1992–2021)
Claims Outside the SFHA	7 of 68
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, CenturyLink.

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