290 Dickens Dr, Freeport, FL 32439 Property Records

Walton County property record for 290 Dickens Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,468 sqft · built 2015
Lot Size	0.224 acres (9,760 sqft)
Owner	Individual Name on Record
Last Sale	$452,500 (Jan 2022)
Tax Bill	$5,867 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2022 Sale & Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0920`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0920`
Alternative APN	`1028232`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	3,288 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,760 sqft (0.224 acres)
Garage Type	Finished
Garage Area	504 sqft
Porch	Porch
Porch Area	316 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028232
Street Address	290 DICKENS DR
City	FREEPORT
State	FL
Zip	32439-2298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 92 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 2981-1418 OR 3234-2150
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	92
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2016
Census Tract	950502

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	290 DICKENS DR, FREEPORT, FL 32439-2298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage COMMUNITY BANK OF MISSISSIPPI
Jan 13, 2022	Warranty Deed, Transfer · Line of Credit COMMUNITY BANK OF MISSISSIPPI
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 30, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV
Aug 30, 2018	Loan Modification, Mortgage · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Jun 9, 2015 · Amount on Record
Deed Document Number	20220001799
Deed Book / Page	3234 / 2150
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	290 DICKENS DR, FREEPORT, FL 32439-2298
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 SARONA ST, FREEPORT, FL 32439-7641

Mortgage

Document Number	0032372784
Date	Feb 4, 2022
Book Page	3237/2784
Instrument	20220005485

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 12, 2052

Interest

Rate Type	Adjustable Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 13, 2022
Property Address	290 DICKENS DR, FREEPORT, FL 32439-2298
Document Number	0032342150
Book / Page	3234 / 2150
Map Reference	MB 17 PG 59
Instrument Date	Jan 12, 2022
Instrument	20220001799
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,167.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 BENTON BLVD, 65, FREEPORT, FL 32439-3177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 DICKENS DR, FREEPORT, FL 32439-2298

Mortgage

Document Number	0032342152
Date	Jan 13, 2022
Instrument	3234/2152

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	290 DICKENS DR, FREEPORT, FL 32439-2298
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 DICKENS DR, FREEPORT, FL 32439-2298

Mortgage

Document Number	0031842418
Date	Feb 24, 2021
Book Page	3184/2418
Instrument	20210008625

Lender

Name	US BANK NA
Type	Bank
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Nov 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	290 DICKENS DR, FREEPORT, FL 32439-2298
Document Number	0030870866
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	290 DICKENS DR FREEPORT FL 324392298, FREEPORT, FL 32439-2298

Mortgage

Document Number	0030870866
Date	Oct 5, 2018
Book Page	003087/000866
Instrument	33920

Lender

Name	SECRETARY/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	290 DICKENS DR, FREEPORT, FL 32439-2298
Document Number	0030870967
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	290 DICKENS DR FREEPORT FL 324392298, FREEPORT, FL 32439-2298

Mortgage

Document Number	0030870967
Date	Oct 5, 2018
Book Page	003087/000967
Instrument	33975

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Interest

Rate	4.75%

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		$419,210 (-5.33%) Land $51,500 Building $367,710	$419,210 (-5.33%) Land $51,500 Building $367,710
2024	$5,867.00 (+0.26%)
2023	$5,852.00 (+127.53%)	$442,818 (+10.24%) Land $41,751 Building $401,067	$442,818 (+10.24%) Land $41,751 Building $401,067
2022	$2,572.00 Homeowner's exemption	$401,690 Land $46,344 Building $355,346	$401,690 Land $46,344 Building $355,346

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% 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 278 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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