392 McCloud Rd, Freeport, FL 32439 Property Records

Walton County property record for 392 McCloud Rd, Freeport, FL 32439

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 840 sqft · built 1986
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on Record
Last Sale	$194,000 (Sep 2022)
Tax Bill	$252 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-1S-20-32000-007-0081`

Property Details

APN / Parcel Number

Primary APN	`11-1S-20-32000-007-0081`
Alternative APNs	`11-120-32000-007-0081` `1014829`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,660 sqft
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Other
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Porch	Finished Screened Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	392 MCCLOUD RD
City	FREEPORT
State	FL
Zip	32439-2502
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	GA
Legal Description	N1/2 OF: SOUTH 440 FT OF EAST 200 FT OF WEST 670 FT NORTH OF COUNTY GRADED ROAD ALSO DESC AS;COM SW/COR OF S 440 FT OF E 200 FT OF W 670 FT LYING N OF CO RD AS REC IN OR 336-237,N 00 DEG 00'00E 165.4 FT FOR POB,CONTINUE ALG SAME LINE 158.09 FT,S 88 D
Legal Range	020
Legal Township	01S
Legal Section	11
Legal Block	700
Legal Lot Number	81
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1065
Census Tract	950306

Owner

Source: Walton County records, as of July 1, 2026

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	2455 US 331, SANTA ROSA BEACH, FL 32459
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Sep 15, 2022	Warranty Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE
Mar 3, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Prior Sale	Oct 23, 2015 · Amount on Record
Deed Document Number	202241371
Deed Book / Page	3266 / 3802
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jun 18, 2026
Property Address	392 MCCLOUD RD, FREEPORT, FL 32439-2502
Document Number	0000025058
Book / Page	3402 / 2986
Instrument Date	May 26, 2026
Instrument	202625058
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 MCCLOUD RD, FREEPORT, FL 32439-2502
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025058,
Date	Jun 18, 2026
Book Page	3402/2986
Instrument	202625058

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Oct 1, 2052

Interest

Rate	6.3%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 15, 2022
Property Address	392 MCCLOUD RD, FREEPORT, FL 32439-2502
Document Number	0032663802
Book / Page	3266 / 3802
Instrument Date	Sep 13, 2022
Instrument	20220041371
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 MCCLOUD RD, 392, FREEPORT, FL 32439-2502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2455 US 331, SANTA ROSA BEACH, FL 32459

Mortgage

Document Number	0032663804
Date	Sep 15, 2022
Instrument	3266/3804

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0032663822
Date	Sep 15, 2022
Book Page	3266/3822
Instrument	20220041373

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	392 MCCLOUD RD, FREEPORT, FL 32439-2502
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 MCCLOUD RD, FREEPORT, FL 32439-2502

Mortgage

Document Number	0031860136
Date	Mar 3, 2021
Book Page	3186/136
Instrument	20210010307

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2046

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	$252.00 (-0.79%)	$21,534 (-) Land $11,382 Building $10,152	$21,534 (-) Land $11,382 Building $10,152
2024	$254.00
2023	$254.00 (+238.67%)	$21,534 (+0.18%) Land $11,382 Building $10,152	$21,534 (+0.18%) Land $11,382 Building $10,152
2022	$75.00 Homeowner's exemption	$21,495 Land $12,634 Building $8,861	$21,495 Land $12,634 Building $8,861

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 64% of the US · above 40% 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 45 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

4G LTE (outdoors only), no 5G reported

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