38 Lauray Ct, Freeport, FL 32439 Property Records

Walton County property record for 38 Lauray Ct, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,306 sqft · built 1994
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (May 2022)
Tax Bill	$3,633 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Nov 2024 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`28-1S-19-23040-00D-0110`

Property Details

APN / Parcel Number

Primary APN	`28-1S-19-23040-00D-0110`
Alternative APNs	`28-119-23040-00D-0110` `1058408`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,306 sqft Living Area
Gross Area	4,830 sqft
1st Floor Area	1,969 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Detached
Garage Area	930 sqft
Porch	Slab
Porch Area	787 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 LAURAY CT
City	FREEPORT
State	FL
Zip	32439-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYLAGR
Legal Description	LOTS D-11 & D-12 LAGRANGE SHORES S/D PB 7-8 OR 752-126 OR 2663-2278 OR 2726-4844 OR 3016-2126 OR 3238-2806
Legal Range	019
Legal Township	01S
Legal Section	28
Legal Subdivision	LAGRANGE SHORES
Legal Block	D01
Legal Lot Number	110
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2090
Census Tract	950502

Owner

38 Lauray Ct is owned and occupied by two individuals who bought it in May 2022.

Source: Walton County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 LAURAY CT, FREEPORT, FL 32439-3646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Nov 12, 2024	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
May 2, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jun 30, 2017	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Feb 14, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2022 · Amount on File
Deed Sale	May 2, 2022 · Amount on File
Prior Sale	Jul 27, 2016 · Amount on File
Deed Document Number	202220745
Deed Book / Page	3250 / 2365
Prior Transfer Date	Feb 14, 2022
Prior Transfer Doc	0000006735
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	38 LAURAY CT, FREEPORT, FL 32439-3646
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LAURAY CT, FREEPORT, FL 32439-3646

Mortgage

Document Number	0032584046
Date	Jul 5, 2022
Book Page	3258/4046
Instrument	20220031195

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PANAMA CITY BEACH, FL 32413

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	38 LAURAY CT, FREEPORT, FL 32439-3646
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LAURAY CT, FREEPORT, FL 32439-3646

Mortgage

Document Number	0033411797
Date	Nov 12, 2024
Book Page	3341/1797
Instrument	20240039208

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PANAMA CITY BEACH, FL 32413

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 2, 2022
Property Address	38 LAURAY CT, FREEPORT, FL 32439-3646
Document Number	0032502365
Book / Page	3250 / 2365
Map Reference	MB 7 PG 8&8A
Instrument Date	Apr 29, 2022
Instrument	20220020745
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 ADAMS VIEW LN, AUBURNDALE, FL 33823-6713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LAURAY CT, FREEPORT, FL 32439-3646

Mortgage

Document Number	0032502367
Date	May 2, 2022
Instrument	3250/2367

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.5%
Index	Other
Margin	3
Max Rate	8.5%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	38 LAURAY CT, FREEPORT, FL 32439-3646
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030452195
Date	Jun 30, 2017
Book Page	3045/2195
Instrument	20170021427

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	FREEPORT, FL 32439

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	May 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 14, 2022
Property Address	38 LAURAY CT, FREEPORT, FL 32439-3646
Document Number	0032382806
Book / Page	3238 / 2806
Map Reference	MB 7 PG 8&8A
Instrument Date	Feb 14, 2022
Instrument	20220006735
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LAURAY CT, FREEPORT, FL 32439-3646

Tax Assessment & Valuation

The 2025 property tax bill for 38 Lauray Ct was $3,633 with a homeowner's exemption, up 1.7% from the year before.

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	$3,633.00 (+1.71%) Homeowner's exemption	$469,176	$904,928 Land $298,989 Building $605,939
2024	$3,572.00 (-50.59%)
2023	$7,230.00 (+173.55%)	$860,334 (+39.04%) Land $227,914 Building $632,420	$860,334 (+39.04%) Land $227,914 Building $632,420
2022	$2,643.00 Homeowner's exemption	$618,761 Land $252,985 Building $365,776	$618,761 Land $252,985 Building $365,776

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 38 Lauray Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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 38 Lauray Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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