3785 State Hwy 20 E, Freeport, FL 32439 Property Records

Walton County property record for 3785 State Hwy 20 E, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 408 sqft · built 2008
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Feb 2022)
Tax Bill	$307 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Feb 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-1S-18-14000-009-0011`

Property Details

APN / Parcel Number

Primary APN	`19-1S-18-14000-009-0011`
Alternative APNs	`19-118-14000-009-0011` `1031994`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	408 sqft Living Area
Gross Area	764 sqft
1st Floor Area	408 sqft
Flooring	Wood

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,890 sqft (0.25 acres)
Porch	Screened/Unfinished Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3785 STATE HIGHWAY 20 E
City	FREEPORT
State	FL
Zip	32439-6005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LSA
Legal Description	105FT N & S BY 105FT E & W IN SW/C OF:E2 SE4 NE4 SEC 19-1S- 18W LESS W 522FT. OR 2301439 OR 3078-4943 OR 3091-916 OR 3133-579 OR 3240-1791
Legal Range	018
Legal Township	01S
Legal Section	19
Legal Block	900
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2097
Census Tract	950501

Owner

Source: Walton County records, as of December 3, 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	3785 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Feb 13, 2020	Correction Deed MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
Nov 28, 2018	Warranty Deed, Transfer · Conventional Mortgage GABE STEPHANI
Jul 10, 2018	Tax Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Nov 28, 2018 · Amount on Record
Deed Document Number	20228837
Deed Book / Page	3240 / 1791
Prior Transfer Date	Nov 24, 2020
Prior Transfer Doc	0000048234
Record Updated	Sep 20, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WALTON FL
Recording Date	Feb 25, 2022
Property Address	3785 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6005
Document Number	0032401791
Book / Page	3240 / 1791
Instrument Date	Feb 23, 2022
Instrument	20220008837
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 N SAND PALM RD, FREEPORT, FL 32439-3723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3785 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6005
Investor	Possibly a Property Investor

Mortgage

Document Number	0032401793
Date	Feb 25, 2022
Instrument	3240/1793

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Feb 13, 2020
Property Address	3785 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6005
Document Number	0031330579
Book / Page	003133 / 000579
Instrument Date	Feb 10, 2020
Instrument	5190
Record Updated	Mar 10, 2020
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 1072 FREEPORT FL 324391072, FREEPORT, FL 32439-1072

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 28, 2018
Property Address	3785 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6005
Document Number	0030910916
Book / Page	003091 / 000916
Instrument Date	Nov 27, 2018
Instrument	39518
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 1072 FREEPORT FL 324391072, FREEPORT, FL 32439-1072

Mortgage

Document Number	30910918
Date	Nov 28, 2018
Book Page	003091/000918
Instrument	39519

Lender

Name	GABE STEPHANI
Address	4236 BOBCAT CV, NICEVILLE, FL 32578-8770
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 27, 2028

July 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	WALTON FL
Recording Date	Jul 10, 2018
Property Address	3785 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6005
Document Number	0030784943
Book / Page	003078 / 004943
Instrument Date	Jul 10, 2018
Instrument	22924
Transaction Type	Foreclosure
Record Updated	Jul 27, 2018

Transaction

Amount	Amount Recorded
Tax	$22.40
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4236 BOBCAT CV NICEVILLE FL 325788770, NICEVILLE, FL 32578-8770

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	$307.00 (+1.32%) Homeowner's exemption	$56,125 (-0.24%)	$79,275 (+40.91%) Land $25,000 Building $54,275
2024	$303.00 (-44.1%)
2023	$542.00 (+5.86%)	$56,260 (+9.77%) Land $3,794 Building $52,466	$56,260 (+9.77%) Land $3,794 Building $52,466
2022	$512.00	$51,251 Land $4,211 Building $47,040	$51,251 Land $4,211 Building $47,040

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 62% of the US · lower than 63% 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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