38 Norwich Rd, Freeport, FL 32439 Property Records

Walton County property record for 38 Norwich Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,332 sqft · built 2019
Lot Size	0.201 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Apr 2025)
Tax Bill	$3,623 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23132-000-1020`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23132-000-1020`
Alternative APN	`1086426`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,332 sqft Living Area
Gross Area	3,100 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.201 acres)
Lot Dimensions	13 ft deep x 6.8 ft wide
Garage Type	Finished
Garage Area	441 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1086426
Street Address	38 NORWICH RD
City	FREEPORT
State	FL
Zip	32439-7646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 102 CENTRAL PARK AT HAMMOCK BAY PHASE 3 PB 20-52 OR 3068-2507 OR 3127-2431 OR 3173-2874 OR 3354-2686
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	CENTRAL PK/HAMMOCK BAY PH 3
Legal Phase	3
Legal Lot Number	102
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2046
Census Tract	950502

Owner

38 Norwich Rd is owned and occupied by an individual who bought it in April 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 NORWICH RD, FREEPORT, FL 32439-7646
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
Dec 15, 2020	Warranty Deed, Transfer · VA Mortgage LEND SMART MORTGAGE LLC
Dec 17, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI TITLE OF FLORIDA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2025 · Amount on File
Deed Sale	Apr 3, 2025 · Amount on File
Prior Sale	Dec 15, 2020 · Amount on File
Deed Document Number	0033542686
Deed Book / Page	3354 / 2686
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 15, 2020
Property Address	38 NORWICH RD, FREEPORT, FL 32439-7646
Document Number	0031732874
Book / Page	3173 / 2874
Map Reference	MB 20 PG 52&53
Instrument Date	Dec 11, 2020
Instrument	20200051596
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,659.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1159, FREEPORT, FL 32439-1159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 NORWICH RD, FREEPORT, FL 32439-7646

Mortgage

Document Number	0031732876
Date	Dec 15, 2020
Instrument	3173/2876

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

December 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 17, 2019
Property Address	38 NORWICH RD, FREEPORT, FL 32439-7646
Document Number	0031272431
Book / Page	3127 / 2431
Map Reference	MB 20 PG 52-53
Instrument Date	Dec 13, 2019
Instrument	20190044004
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.00
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	403 S PELICAN DR, SARASOTA, FL 34237-7119

Mortgage

Document Number	0000000000
Date	Dec 17, 2019
Instrument	3127-2432

Lender

Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2040

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		$410,361 Land $55,000 Building $355,361	$410,361 Land $55,000 Building $355,361
2024	$3,623.00 (+3.66%)
2023	$3,495.00 (+5.4%) Homeowner's exemption	$408,415 (-3.21%) Land $49,485 Building $358,930	$408,415 (-3.21%) Land $49,485 Building $358,930
2022	$3,316.00 Homeowner's exemption	$421,940 Land $54,928 Building $367,012	$421,940 Land $54,928 Building $367,012

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

Flood

FEMA maps place 38 Norwich Rd 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	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 Norwich Rd is moderate, ranking above 52% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.08% 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 391 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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