305 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 305 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,592 sqft · built 2016
Lot Size	0.194 acres (8,464 sqft)
Owner	Individual Name on Record
Last Sale	$328,000 (May 2019)
Tax Bill	$2,998 (2024)
Deeds & Mortgages	Mar 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0930`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0930`
Alternative APN	`1028360`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	3,264 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,464 sqft (0.194 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028360
Street Address	305 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 93 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 3025-1339 OR 3106-4479
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	WHISPERS AT HAMMOCK BAY
Legal Lot Number	93
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2012
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 WINDCHIME WAY, FREEPORT, FL 32439-3200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · VA Mortgage PROGRESS BANK & TRUST
May 30, 2019	Warranty Deed, Transfer · VA Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2019 · Amount on Record
Deed Sale	May 30, 2019 · Amount on Record
Prior Sale	Nov 3, 2016 · Amount on Record
Deed Document Number	20190017499
Deed Book / Page	3106 / 4479
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	305 WINDCHIME WAY, FREEPORT, FL 32439-3200
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031373900
Date	Mar 25, 2020
Book Page	3137/3900
Instrument	20200010803

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 30, 2019
Property Address	305 WINDCHIME WAY, FREEPORT, FL 32439-3200
Document Number	0031064479
Book / Page	3106 / 4479
Map Reference	MB 17 PG 60
Instrument Date	May 29, 2019
Instrument	20190017499
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 WINDCHIME WAY, 305, FREEPORT, FL 32439-3200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 WINDCHIME WAY, FREEPORT, FL 32439-3200

Mortgage

Document Number	0031064480
Date	May 30, 2019
Instrument	3106/4480

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$449,024 (+2.47%) Land $63,378 Building $385,646	$449,024 (+2.47%) Land $63,378 Building $385,646
2024	$2,998.00 (+1.56%)
2023	$2,952.00 (+5.43%) Homeowner's exemption	$438,213 (+10.77%) Land $48,642 Building $389,571	$438,213 (+10.77%) Land $48,642 Building $389,571
2022	$2,800.00 Homeowner's exemption	$395,605 Land $53,993 Building $341,612	$395,605 Land $53,993 Building $341,612

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 AE, 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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.09% 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 45 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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