Walton County property record for 38 Cozy Cv, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,447 sqft · built 2023 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Sep 2025) |
| Tax Bill | $3,135 (2024) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-1S-19-23022-000-0110 |
| Primary APN | 30-1S-19-23022-000-0110 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,447 sqft Living Area |
| Gross Area | 3,122 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 11,021 sqft (0.253 acres) |
| Lot Dimensions | 13 ft deep x 8.7 ft wide |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 38 COZY CV |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2963 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 BLISS AT HAMMOCK BAY PB 25-11 OR 3276-3158 OR 3297-13 OR 3371-580 |
| Legal Lot Number | 11 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2066 |
| Census Tract | 950502 |
38 Cozy Cv is owned and occupied by an individual who bought it in September 2025.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 38 COZY CV, FREEPORT, FL 32439-2963 |
| 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.
| Date | Document |
|---|---|
| Sep 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage NBH BANK NA |
| Jul 26, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DSLD MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on File |
| Deed Sale | Sep 16, 2025 · Amount on File |
| Prior Sale | Jul 26, 2023 · Amount on File |
| Deed Document Number | 20250033404 |
| Deed Book / Page | 3371 / 580 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 16, 2025 |
| Property Address | 38 COZY CV, FREEPORT, FL 32439-2963 |
| Document Number | 0033710580 |
| Book / Page | 3371 / 580 |
| Map Reference | MB 25 PG 11 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 20250033404 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 128 CHAUCER PL, CHERRY HILL, NJ 08003-3543 |
| Name | Verified Name |
|---|---|
| Address | 38 COZY CV, FREEPORT, FL 32439-2963 |
| Document Number | 0003371582 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 3371/582 |
| Name | NBH BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 26, 2023 |
| Property Address | 38 COZY CV, FREEPORT, FL 32439-2963 |
| Document Number | 0032970013 |
| Book / Page | 3297 / 13 |
| Map Reference | MB 25 PG 11 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 20230026686 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,914.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7660 PECUE LN, BATON ROUGE, LA 70809-5271 |
| Name | Verified Name |
|---|---|
| Address | 15 BRANDYWINE RD, FREEPORT, FL 32439-4440 |
| Document Number | 0000329716 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 3297/16 |
| Name | DSLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $363,577 (-1.18%) Land $69,946 Building $293,631 | $363,577 (-1.18%) Land $69,946 Building $293,631 | |
| 2024 | $3,135.00 Homeowner's exemption | $367,901 Land $69,946 Building $297,955 | $367,901 Land $69,946 Building $297,955 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Cozy Cv 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 A, 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 |
|
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 risk around 38 Cozy Cv is high, ranking above 74% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 3,000 / 3,000 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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