Walton County property record for 296 Lottie Loop, Freeport, FL 32439 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,345 sqft Living Area |
| Lot Size | 8,668 sqft (0.198 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $390,000 (2021) |
| Tax Bill | $4,543.00 (2024) |
| Primary APN | 17-1S-19-23131-000-0640 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,345 sqft Living Area |
| Gross Area | 3,050 sqft Gross Area |
| Stories | 1 Stories |
| Interior Structure | Custom/Decorative Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,668 sqft (0.198 acres) |
| Depth X Width | 12.6 ft x 6.9 ft Depth x Width |
| Garage Type | Finished Garage |
| Garage Area | 378 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Account Number | 1085308 |
|---|---|
| Street Address | 296 LOTTIE LOOP |
| City | FREEPORT |
| State | FL |
| Zip | 32439-2794 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 64 CENTRAL PARK AT HAMMOCK BAY PHASE 2 PB 20-17 OR 3038-3289 OR 3091-3000 OR 3187-4817 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 17 |
| Legal Subdivision | CENTRAL PK/HAMMOCK BAY PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 64 |
| Jurisdiction | WALTON FL |
| Minor Civil Division | FREEPORT |
| Census Blockgroup | 2 |
| Census Block | 2050 |
| Census Tract | 950502 |
Source: Walton County records · APN 17-1S-19-23131-000-0640
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 296 LOTTIE LOOP, FREEPORT, FL 32439-2794 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 04, 2025 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Nov 14, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Mar 16, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 16, 2021 · Amount on Record |
| Deed Sale | Mar 16, 2021 · Amount on Record |
| Prior Sale | Dec 03, 2018 · Amount on Record |
| Deed Doc Number | 20210012556 |
| Deed Book / Page | 3187 / 4817 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 296 LOTTIE LOOP, FREEPORT, FL 32439-2794 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 296 LOTTIE LOOP, FREEPORT, FL 32439-2794 |
| Document Number | 0033762740 |
|---|---|
| Date | Nov 04, 2025 |
| Book Page | 3376/2740 |
| Instrument | 20250040571 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 21, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 296 LOTTIE LOOP, FREEPORT, FL 32439-2794 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0031240773 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 3124/0773 |
| Instrument | 20190039908 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 16, 2021 |
| Property Address | 296 LOTTIE LOOP, FREEPORT, FL 32439-2794 |
| Document Number | 0031874817 |
| Book / Page | 3187 / 4817 |
| Map Reference | MB 20 PG 17&18 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 20210012556 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2107 HIGHWAY 15 S, 2107, WOODLAND, MS 39776-9703 |
| Name | Verified Name |
|---|---|
| Address | 296 LOTTIE LOOP, FREEPORT, FL 32439-2794 |
| Document Number | 0031874819 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 3187/4819 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $393,955 (+1.42%) Land $55,000 Building $338,955 | $393,955 (+1.42%) Land $55,000 Building $338,955 | |
| 2024 | $4,543.00 (+0.26%) | ||
| 2023 | $4,531.00 (-2.71%) Homeowner's exemption | $388,440 (-4.1%) Land $49,485 Building $338,955 | $388,440 (-4.1%) Land $49,485 Building $338,955 |
| 2022 | $4,657.00 Homeowner's exemption | $405,038 Land $54,928 Building $350,110 | $405,038 Land $54,928 Building $350,110 |
296 Lottie Loop is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Walton County (12131C), updated June 18, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 53rd percentile of exposed land nationally · 23rd in Florida |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,266 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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