318 Whispering Way, Freeport, FL 32439 Property Records

Walton County property record for 318 Whispering Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,070 sqft · built 2011
Lot Size	0.335 acres (14,602 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Dec 2020)
Tax Bill	$6,654 (2024)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23040-000-0090`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23040-000-0090`
Alternative APN	`1028031`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,070 sqft Living Area
Gross Area	3,724 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,602 sqft (0.335 acres)
Garage Type	Finished
Garage Area	528 sqft
Porch	Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028031
Street Address	318 WHISPERING WAY
City	FREEPORT
State	FL
Zip	32439-6556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 9 SOUNDS AT HAMMOCK BAY PB 16-89 OR 2817-3940 OR 2863-3027 OR 2874-2726 OR 3173-2828
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	SOUNDS AT HAMMOCK BAY
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
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
Mailing Address	318 WHISPERING WAY, FREEPORT, FL 32439-6556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Line of Credit GTE FCU
Dec 15, 2020	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2016	Loan Modification, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Sep 28, 2011 · Amount on Record
Deed Document Number	20200051587
Deed Book / Page	3173 / 2828
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	318 WHISPERING WAY, FREEPORT, FL 32439-6556
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 WHISPERING WAY, FREEPORT, FL 32439-6556

Mortgage

Document Number	0033133411
Date	Jan 24, 2024
Book Page	3313/3411
Instrument	20240002494

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 15, 2020
Property Address	318 WHISPERING WAY, FREEPORT, FL 32439-6556
Document Number	0031732828
Book / Page	3173 / 2828
Map Reference	MB 16 PG 89,89A-89C
Instrument Date	Dec 14, 2020
Instrument	20200051587
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 WHISPERING WAY, 318, FREEPORT, FL 32439-6556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1898, DESTIN, FL 32540-1898

Mortgage

Document Number	0031732830
Date	Dec 15, 2020
Instrument	3173/2830

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	318 WHISPERING WAY, FREEPORT, FL 32439-6556
Document Number	0030302397
Book / Page	003030 / 002397
Instrument Date	Feb 5, 2016
Transaction Type	Mortgage
Record Updated	Feb 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 WHISPERING WAY FREEPORT FL 324396556, FREEPORT, FL 32439-6556

Mortgage

Document Number	0030302397
Date	Jan 6, 2017
Book Page	003030/002397
Instrument	560

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	GETZVILLE, NY 14068

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

Interest

Rate Type	Fixed Rate

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		$487,507 (+4.91%) Land $55,000 Building $432,507	$487,507 (+4.91%) Land $55,000 Building $432,507
2024	$6,654.00 (+3.6%)
2023	$6,423.00 (+9.55%)	$464,701 (+9.42%) Land $40,535 Building $424,166	$464,701 (+9.42%) Land $40,535 Building $424,166
2022	$5,863.00	$424,709 Land $44,994 Building $379,715	$424,709 Land $44,994 Building $379,715

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	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 65 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: AT&T, Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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