305 Dickens Dr, Freeport, FL 32439 Property Records

Walton County property record for 305 Dickens Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,441 sqft · built 2014
Lot Size	0.28 acres (12,200 sqft)
Owner	Individual Name on Record
Last Sale	$367,695 (Mar 2015)
Tax Bill	$75 (2024)
Deeds & Mortgages	Jun 2019 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0470`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0470`
Alternative APN	`1028187`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,441 sqft Living Area
Gross Area	5,240 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,200 sqft (0.28 acres)
Garage Type	Finished
Garage Area	484 sqft
Porch	Porch
Porch Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028187
Street Address	305 DICKENS DR
City	FREEPORT
State	FL
Zip	32439-2296
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 47 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 2974-4501
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	47
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
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	305 DICKENS DR, FREEPORT, FL 32439-2296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jul 8, 2020	Deed of Trust, Mortgage · Conventional with PMI ACCELERATE MTG LLC
Apr 23, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2015 · Amount on Record
Deed Sale	Mar 31, 2015 · Amount on Record
Deed Document Number	2015661316700
Deed Book / Page	2974 / 4501
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	305 DICKENS DR, FREEPORT, FL 32439-2296
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031080059
Date	Jun 10, 2019
Book Page	3108/0059
Instrument	20190018983

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	305 DICKENS DR, FREEPORT, FL 32439-2296
Document Number	0031554645
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 DICKENS DR FREEPORT FL 324392296, FREEPORT, FL 32439-2296

Mortgage

Document Number	0031554645
Date	Aug 20, 2020
Book Page	003155/004645
Instrument	31463

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	305 DICKENS DR, FREEPORT, FL 32439-2296
Document Number	0030731096
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 DICKENS DR FREEPORT FL 324392296, FREEPORT, FL 32439-2296

Mortgage

Document Number	0030731096
Date	May 9, 2018
Book Page	003073/001096
Instrument	15248

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2048

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		$649,248 (-6.49%) Land $50,000 Building $599,248	$649,248 (-6.49%) Land $50,000 Building $599,248
2024	$75.00
2023	$75.00 (-98.23%) Homeowner's exemption	$694,316 (+12.31%) Land $40,535 Building $653,781	$694,316 (+12.31%) Land $40,535 Building $653,781
2022	$4,226.00 Homeowner's exemption	$618,226 Land $44,994 Building $573,232	$618,226 Land $44,994 Building $573,232

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% 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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