325 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 325 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,304 sqft · built 2015
Lot Size	0.314 acres (13,686 sqft)
Owner	Individual Name on Record
Last Sale	$366,730 (Apr 2015)
Tax Bill	$4,873 (2024)
Deeds & Mortgages	Dec 2024 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0920`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0920`
Alternative APN	`1028359`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,304 sqft Living Area
Gross Area	5,162 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	13,686 sqft (0.314 acres)
Garage Type	Finished
Garage Area	512 sqft
Porch	Porch
Porch Area	346 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028359
Street Address	325 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 92 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 2977-737
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	WHISPERS AT HAMMOCK BAY
Legal Lot Number	92
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
Mailing Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2024	Deed of Trust, Mortgage · Partial Claim Mortgage OUTAMATION INC
Oct 26, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 28, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 9, 2021	Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Aug 29, 2019	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2015 · Amount on Record
Deed Sale	Apr 22, 2015 · Amount on Record
Deed Document Number	2015661319701
Deed Book / Page	2977 / 0737
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200

Mortgage

Document Number	0033432470
Date	Dec 3, 2024
Book Page	3343/2470
Instrument	20240041848

Lender

Name	OUTAMATION INC
Type	Non-Lending Institution
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2064

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200

Mortgage

Document Number	0033060874
Date	Oct 26, 2023
Book Page	3306/874
Instrument	20230038865

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Oct 1, 2046

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200

Mortgage

Document Number	0032843655
Date	Mar 28, 2023
Book Page	3284/3655
Instrument	20230010466

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Oct 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200

Mortgage

Document Number	0032242989
Date	Nov 9, 2021
Book Page	3224/2989
Instrument	20210055879

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Oct 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	325 WINDCHIME WAY, FREEPORT, FL 32439-3200
Document Number	0031170805
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 WINDCHIME WAY FREEPORT FL 324393200, FREEPORT, FL 32439-3200

Mortgage

Document Number	0031170805
Date	Sep 6, 2019
Book Page	003117/000805
Instrument	30725

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 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		$660,263 (+1.32%) Land $63,378 Building $596,885	$660,263 (+1.32%) Land $63,378 Building $596,885
2024	$4,873.00 (+3.57%)
2023	$4,705.00 (+5.33%) Homeowner's exemption	$651,663 (+10.8%) Land $48,642 Building $603,021	$651,663 (+10.8%) Land $48,642 Building $603,021
2022	$4,467.00 Homeowner's exemption	$588,164 Land $53,993 Building $534,171	$588,164 Land $53,993 Building $534,171

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% 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 266 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

Cell Coverage

5G (outdoors only) and 4G LTE

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