297 Willow Ave, Freeport, FL 32439 Property Records

Walton County property record for 297 Willow Ave, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,322 sqft · built 2022
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (May 2023)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41060-00C-0170`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41060-00C-0170`
Alternative APNs	`28-121-41060-00C-0170` `1058860`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,322 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	1,322 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	297 WILLOW AVE
City	FREEPORT
State	FL
Zip	32439-6746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 17 BLK C SECOND ADD TO CHOCTAW PB 3-39 OR 2431-288 OR 2630-4157 OR 3019-1355 OR 3041-583 OR 3175-4835 OR 3289-1217
Legal Range	021
Legal Township	01S
Legal Section	28
Legal Subdivision	SECOND ADD TO CHOCTAW
Legal Block	C
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1034
Census Tract	950306

Owner

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

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
Mailing Address	4201 E COUNTY ROAD 390 APT 6108, 6108, PANAMA CITY, FL 32404
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 11, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage CCB COMMUNITY BANK
Dec 30, 2020	Warranty Deed, Transfer BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP
May 11, 2017	Grant Deed, Foreclosure CARRINGTON TITLE SERVICES, CARRINGTON TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2023 · Amount on Record
Deed Sale	May 11, 2023 · Amount on Record
Prior Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	202316529
Deed Book / Page	3289 / 1217
Prior Transfer Date	Apr 26, 2017
Prior Transfer Doc	0030410583
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 11, 2023
Property Address	297 WILLOW AVE, FREEPORT, FL 32439-6746
Document Number	0032891217
Book / Page	3289 / 1217
Map Reference	MB 3 PG 39
Instrument Date	May 8, 2023
Instrument	20230016529
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	NOT AVAILABLE, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1410 OLD FARM RD, CHAMPAIGN, IL 61821-8002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4201 E COUNTY RD #6108 # 6108, 6108, PANAMA CITY, FL 32404

Mortgage

Document Number	0032891219
Date	May 11, 2023
Instrument	3289/1219

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	297 WILLOW AVE, FREEPORT, FL 32439-6746
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030513301
Date	Sep 6, 2017
Book Page	3051/3301
Instrument	20170029573

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 30, 2020
Property Address	297 WILLOW AVE, FREEPORT, FL 32439-6746
Document Number	0031754835
Book / Page	003175 / 004835
Instrument Date	Dec 30, 2020
Instrument	54139
Transaction Type	Transfer
Record Updated	Jan 27, 2021
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	711 SANDPIPER DR MIRAMAR BEACH FL 325504835, MIRAMAR BEACH, FL 32550-4835

May 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	May 11, 2017
Property Address	297 WILLOW AVE, FREEPORT, FL 32439-6746
Document Number	0030410583
Book / Page	003041 / 000583
Instrument Date	Apr 26, 2017
Instrument	15366
Transaction Type	Foreclosure
Record Updated	May 24, 2017
Title Company	CARRINGTON TITLE SERVICES, CARRINGTON TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$206.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	297 WILLOW AVE FREEPORT FL 324396746, FREEPORT, FL 32439-6746

Tax Assessment & Valuation

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	$2,138.00 (-9.1%)	$250,380 (-8.18%) Land $62,500 Building $187,880	$250,380 (-8.18%) Land $62,500 Building $187,880
2024	$2,352.00 (+4.72%)
2023	$2,246.00 (+291.97%)	$272,674 (+333.1%) Land $62,500 Building $210,174	$272,674 (+333.1%) Land $62,500 Building $210,174
2022	$573.00	$62,958 Land $39,269 Building $23,689	$62,958 Land $39,269 Building $23,689

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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	0.1% 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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