35 Hemingway Ln, Freeport, FL 32439 Property Records

Walton County property record for 35 Hemingway Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,940 sqft · built 2017
Lot Size	0.189 acres (8,251 sqft)
Owner	Individual Name on File
Last Sale	$234,900 (Mar 2017)
Tax Bill	$2,372 (2024)
Deeds & Mortgages	Apr 2021 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0120`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0120`
Alternative APN	`1028152`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,940 sqft Living Area
Gross Area	2,628 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,251 sqft (0.189 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028152
Street Address	35 HEMINGWAY LN
City	FREEPORT
State	FL
Zip	32439-2293
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 12 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 3037-1175
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

35 Hemingway Ln is owned and occupied by an individual who bought it in March 2017.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit ALL IN CREDIT UNION
Feb 16, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 1, 2021	Deed of Trust, Mortgage · Line of Credit ALL IN CREDIT UNION
Mar 31, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage REGIONS MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Deed Document Number	20170009992
Deed Book / Page	3037 / 1175
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031910778
Date	Apr 5, 2021
Book Page	3191/778
Instrument	20210016138

Lender

Name	ALL IN CREDIT UNION
Type	Non-Lending Institution
Address	DALEVILLE, AL 36322

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Mar 15, 2046

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293

Mortgage

Document Number	0031831017
Date	Feb 16, 2021
Book Page	3183/1017
Instrument	20210007103

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Apr 1, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031810056
Date	Feb 1, 2021
Book Page	3181/56
Instrument	20210004633

Lender

Name	ALL IN CREDIT UNION
Address	DALEVILLE, AL 36322

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	263 Months
Due	Jan 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 31, 2017
Property Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293
Document Number	0030371175
Book / Page	3037 / 1175
Map Reference	MB17 PG59
Instrument Date	Mar 28, 2017
Instrument	20170009992
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 HEMINGWAY LN, FREEPORT, FL 32439-2293

Mortgage

Document Number	0030371176
Date	Mar 31, 2017
Instrument	3037/1176

Lender

Name	REGIONS MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

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		$357,655 Land $50,000 Building $307,655	$357,655 Land $50,000 Building $307,655
2024	$2,372.00 (+3.9%)
2023	$2,283.00 (+5.5%) Homeowner's exemption	$376,098 (+10.86%) Land $40,535 Building $335,563	$376,098 (+10.86%) Land $40,535 Building $335,563
2022	$2,164.00 Homeowner's exemption	$339,263 Land $44,994 Building $294,269	$339,263 Land $44,994 Building $294,269

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

Flood

FEMA maps place 35 Hemingway Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 35 Hemingway Ln is moderate, ranking above 43% of the US, with a 0.05% annual chance of 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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