388 Lilly Bell Ln, Freeport, FL 32439 Property Records

Walton County property record for 388 Lilly Bell Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,193 sqft · built 2017
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on File
Last Sale	$464,000 (May 2026)
Tax Bill	$2,809 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23130-000-0270`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23130-000-0270`
Alternative APN	`17-119-23130-000-0270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,193 sqft Living Area
Gross Area	3,009 sqft
1st Floor Area	2,193 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	125 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	388 LILLY BELL LN
City	FREEPORT
State	FL
Zip	32439-7625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 27 CENTRAL PARK AT HAMMOCK BAY PHASE 1 PB 19-94 OR 3021-23 OR 3054-615 OR 3356-4688
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY PHASE 1
Legal Phase	1
Legal Block	2
Legal Lot Number	27
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2042
Census Tract	950502

Owner

388 Lilly Bell Ln is owned by two individuals who bought it in May 2026.

Source: Walton County records, as of June 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15928 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2511
Owner Type	Individual
Vesting	Joint Tenants

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
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 4, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage DH MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on File
Deed Sale	May 27, 2026 · Amount on File
Deed Document Number	202621440
Deed Book / Page	3399 / 2958
Prior Transfer Date	Apr 29, 2025
Prior Transfer Doc	0033564688
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 27, 2026
Property Address	388 LILLY BELL LN, FREEPORT, FL 32439-7625
Document Number	0033992958
Book / Page	3399 / 2958
Instrument Date	May 22, 2026
Instrument	202621440
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	FLORIDA LEGAL TITLE LLC, FLORIDA LEGACY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328,048.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15928 FRONT BEACH RD, PANAMA CITY BEACH, FL 32413-2511

Mortgage

Document Number	0000021441,
Date	May 27, 2026
Instrument	202621441

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Oct 4, 2017
Property Address	388 LILLY BELL LN, FREEPORT, FL 32439-7625
Document Number	0030540615
Book / Page	003054 / 000615
Instrument Date	Oct 2, 2017
Instrument	32805
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 2017
Title Company	DHI TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	388 LILLY BELL LN FREEPORT FL 324397625, FREEPORT, FL 32439-7625

Mortgage

Document Number	30540616
Date	Oct 4, 2017
Book Page	003054/000616
Instrument	32806

Lender

Name	DH MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 388 Lilly Bell Ln was $2,809, down 0.9% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$2,809.00 (-0.92%)	$260,200	$398,735 Land $55,000 Building $343,735
2024	$2,835.00 (+3.77%)
2023	$2,732.00 (+5.44%) Homeowner's exemption	$396,714 (-3.27%) Land $49,485 Building $347,229	$396,714 (-3.27%) Land $49,485 Building $347,229
2022	$2,591.00 Homeowner's exemption	$410,145 Land $54,928 Building $355,217	$410,145 Land $54,928 Building $355,217

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

Flood

FEMA maps place 388 Lilly Bell Ln 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 388 Lilly Bell Ln 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

Nearby Properties on Lilly Bell Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures