392 N Sand Palm Rd, Freeport, FL 32439 Property Records

Walton County property record for 392 N Sand Palm Rd, Freeport, FL 32439

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,426 sqft · built 2021
Lot Size	0.025 acres (1,115 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Apr 2026)
Tax Bill	$2,717 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-1S-19-23115-000-2210`

Property Details

APN / Parcel Number

Primary APN	`10-1S-19-23115-000-2210`
Alternative APN	`10-119-23115-000-2210`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,426 sqft Living Area
Gross Area	1,557 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,115 sqft (0.025 acres)
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	392 N SAND PALM RD
City	FREEPORT
State	FL
Zip	32439-3734
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 221 VERANDAS AT FREEPORT PHASE 1C-3 PB 23-11 OR 3175-2427
Legal Range	019
Legal Township	01S
Legal Section	10
Legal Subdivision	FREEPORT PHASE 1C
Legal Phase	1C-3
Legal Block	22
Legal Lot Number	221
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2007
Census Tract	950306

Owner

392 N Sand Palm Rd, a townhouse, is owned by an individual who bought it in April 2026.

Source: Walton County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	3961 GLEN LAUREL DR S, VALDOSTA, GA 31605-6112
Owner Type	Individual
Vesting	Single Man

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
Apr 22, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE
Apr 22, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2026 · Amount on File
Deed Sale	Apr 22, 2026 · Amount on File
Prior Sale	Dec 28, 2020 · Amount on File
Deed Document Number	202615874
Deed Book / Page	3395 / 1636
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 22, 2026
Property Address	392 N SAND PALM RD, FREEPORT, FL 32439-3734
Document Number	0000015874
Book / Page	3395 / 1636
Instrument Date	Apr 21, 2026
Instrument	2026.15874
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162,610.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3961 GLEN LAUREL DR S, VALDOSTA, GA 31605-6112
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015875,
Date	Apr 22, 2026
Instrument	2026..15875

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 22, 2026
Property Address	392 N SAND PALM RD, FREEPORT, FL 32439-3734
Document Number	0033951636
Book / Page	3395 / 1636
Instrument Date	Apr 21, 2026
Instrument	202615874
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	EMERALD COAST TITLE INC, EMERALD COAST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162,610.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3961 GLEN LAUREL DR S, VALDOSTA, GA 31605-6112
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015875,
Date	Apr 22, 2026
Instrument	202615875

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 392 N Sand Palm Rd was $2,717, down 2.1% 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	$2,717.00 (-2.13%)	$210,904 Land $30,000 Building $180,904	$210,904 Land $30,000 Building $180,904
2024	$2,776.00 (+8.06%)
2023	$2,569.00 (+10.35%)	$219,870 (+15.38%) Building $219,870	$219,870 (+15.38%) Building $219,870
2022	$2,328.00	$190,554 Building $190,554	$190,554 Building $190,554

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

Flood

FEMA maps place 392 N Sand Palm Rd in Zone X, an area of minimal flood risk.

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 File median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force

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 392 N Sand Palm Rd is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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