3694 State Hwy 20 E, Freeport, FL 32439 Property Records

Walton County property record for 3694 State Hwy 20 E, Freeport, FL 32439

Property Summary

Property Type	General Agricultural/Rural
Details	4 bd · 3.5 ba · 4,039 sqft · built 1985
Lot Size	30 acres (1,306,800 sqft)
Owner	Company Name on Record
Tax Bill	$2,443 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-1S-18-14000-011-0010`

Property Details

APN / Parcel Number

Primary APN	`20-1S-18-14000-011-0010`
Alternative APNs	`20-118-14000-011-0010` `1036051`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,039 sqft Gross Area
1st Floor Area	385 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,306,800 sqft (30 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	964 sqft
Deck Area	Deck Area
Shed	1 Shed
Pole Barn	1,500 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3694 STATE HIGHWAY 20 E
City	FREEPORT
State	FL
Zip	32439-6013
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	ALL S OF HWY 20 OF THE W 495FT IN SEC 20-1S-18W OR 32-13 &-16 OR 419-692 OR 3315-3512
Legal Range	018
Legal Township	01S
Legal Section	20
Legal Block	1100
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3042
Census Tract	950501

Owner

Source: Walton County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	76 N 6TH ST, DEFUNIAK SPRINGS, FL 32433-1331
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Feb 16, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 7, 2025
Transfer Doc	0000041335
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3694 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6013
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3694 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6013
Investor	Possibly a Property Investor

Mortgage

Document Number	0033460001
Date	Dec 31, 2024
Book Page	3346/1
Instrument	20240045120

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	9%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 16, 2024
Property Address	3694 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6013
Document Number	0033153512
Book / Page	3315 / 3512
Instrument Date	Feb 13, 2024
Instrument	20240005419
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3694 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6013

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3694 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6013

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,443.00 (+193.28%)	$300,209 (+35.34%)	$483,297 (+50.08%) Land $201,170 Building $282,127
2024	$833.00 (+4.26%)
2023	$799.00 (+1.01%) Homeowner's exemption	$221,824 (+10.14%) Land $7,322 Building $214,502	$322,030 (+3.01%)
2022	$791.00 Homeowner's exemption	$201,397 Land $8,127 Building $193,270	$312,626

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 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 70% of Florida
Wildfire Likelihood	0.2% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Wildstar Networks.

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