305 Brushed Dunes Cir, Freeport, FL 32439 Property Records

Walton County property record for 305 Brushed Dunes Cir, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,446 sqft · built 2021
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$354,300 (Aug 2021)
Tax Bill	$2,580 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14040-00B-0060`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14040-00B-0060`
Alternative APNs	`15-118-14040-00B-0060` `1022168`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,446 sqft Living Area
Gross Area	3,162 sqft
1st Floor Area	2,446 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 BRUSHED DUNES CIR
City	FREEPORT
State	FL
Zip	32439-6269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GA
Legal Description	LOT 6 BLK B WINDSWEPT ESTATES PH 4 PB 16-30 OR 2657-4010 OR 2860-1194 OR 2880-2794 OR 3106-392 OR 3212-1158
Legal Range	18W
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 4
Legal Phase	4
Legal Block	B
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2072
Census Tract	950501

Owner

305 Brushed Dunes Cir is owned and occupied by two individuals who bought it in August 2021.

Source: Walton County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 17, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 9, 2021	Deed of Trust, Mortgage · FHA Mortgage PROGRESS BANK & TRUST
Aug 18, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PROGRESS BANK & TRUST
May 21, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 11, 2019	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK
Dec 4, 2018	Grant Deed, Mortgage · Line of Credit AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Deed Document Number	202141365
Deed Book / Page	3212 / 1158
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269

Mortgage

Document Number	0033904162
Date	Mar 17, 2026
Book Page	3390/4162
Instrument	20260010069

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	5.75%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 HAMMOCK TRL E D113, D113, FREEPORT, FL 32439-7660

Mortgage

Document Number	0032243374
Date	Nov 9, 2021
Book Page	3224/3374
Instrument	20210055968

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 18, 2021
Property Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0032121158
Book / Page	3212 / 1158
Map Reference	MB 16 PG 30-30E
Instrument Date	Aug 13, 2021
Instrument	20210041365
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	NOT AVAILABLE, SENTINEL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,480.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29891 WOODROW LN STE 100, 29891, SPANISH FORT, AL 36527-8774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269

Mortgage

Document Number	0032121160
Date	Aug 18, 2021
Instrument	3212/1160

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 21, 2019
Property Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031060392
Book / Page	003106 / 000392
Instrument Date	May 15, 2019
Instrument	16317
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,680.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29891 WOODROW LN #100 SPANISH FORT AL 365278774, 100, SPANISH FORT, AL 36527-8774
Investor	Possibly a Property Investor

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Recording Date	Jul 11, 2019
Property Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0031112292
Book / Page	003111 / 002292
Instrument Date	Apr 19, 2019
Instrument	23288
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	FIRST INT'L TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	31112292
Date	Jul 11, 2019
Book Page	003111/002292
Instrument	23288

Lender

Name	CENTENNIAL BK
Type	Bank
Address	218 GREENO RD N, FAIRHOPE, AL 36532-2914

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Dec 4, 2018
Property Address	305 BRUSHED DUNES CIR, FREEPORT, FL 32439-6269
Document Number	0030913272
Book / Page	003091 / 003272
Instrument Date	Dec 3, 2018
Instrument	40182
Transaction Type	Mortgage
Record Updated	Dec 21, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	BRUSHED DUNE CIR FREEPORT FL 32439, FREEPORT, FL 32439

Mortgage

Document Number	30913272
Date	Dec 4, 2018
Book Page	003091/003272
Instrument	40182

Lender

Name	AMERIS BK
Type	Bank
Address	605 US HIGHWAY 80 W, POOLER, GA 31322-2105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 305 Brushed Dunes Cir was $2,580 with a homeowner's exemption, up 1.8% from the year before.

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	$2,580.00 (+1.78%) Homeowner's exemption	$341,396	$416,410 Land $81,000 Building $335,410
2024	$2,535.00 (+3.72%)
2023	$2,444.00 (+0.7%) Homeowner's exemption	$407,410 (+11.87%) Land $76,000 Building $331,410	$407,410 (+11.87%) Land $76,000 Building $331,410
2022	$2,427.00 Homeowner's exemption	$364,167 Land $73,538 Building $290,629	$364,167 Land $73,538 Building $290,629

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

Flood

FEMA maps place 305 Brushed Dunes Cir in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1990.

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 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 305 Brushed Dunes Cir is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 73 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Brushed Dunes Cir

Nearby Streets

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