397 Windswept Blvd, Freeport, FL 32439 Property Records

Walton County property record for 397 Windswept Blvd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,043 sqft · built 2005
Lot Size	0.739 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Sep 2023)
Tax Bill	$75 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14020-00C-0010`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14020-00C-0010`
Alternative APN	`1022015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,043 sqft Living Area
Gross Area	2,940 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.739 acres)
Garage Type	Finished
Garage Area	483 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	42 sqft
Patio Area	216 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022015
Street Address	397 WINDSWEPT BLVD
City	FREEPORT
State	FL
Zip	32439-6225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK C WINDSWEPT ESTATES PH 2 PB 16-4 OR 2637-3329 OR 2641-1083 OR 2850-4580 OR 3104-3459 OR 3199-1533 OR 3301-2508
Legal Range	18W
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 2
Legal Phase	2
Legal Block	C
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2085
Census Tract	950501

Owner

Source: Walton County records, as of December 17, 2025

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
Co-owner	Co-owner on Record
Mailing Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
May 24, 2021	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK
Jun 6, 2017	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Jul 15, 2019	Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK
May 7, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	May 24, 2021 · Amount on Record
Deed Document Number	20230032514
Deed Book / Page	3301 / 2508
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 11, 2023
Property Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225
Document Number	0033012508
Book / Page	3301 / 2508
Map Reference	MB 16 PG 4,4A&4B
Instrument Date	Sep 6, 2023
Instrument	20230032514
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND AND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5916, DESTIN, FL 32540-5916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225

Mortgage

Document Number	0033012509
Date	Sep 11, 2023
Instrument	3301/2509

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 24, 2021
Property Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225
Document Number	0031991533
Book / Page	3199 / 1533
Map Reference	MB 16 PG 4-4B
Instrument Date	May 21, 2021
Instrument	20210025969
Transaction Type	Transfer
Record Updated	Jun 10, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 125, FREEPORT, FL 32439-0125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5916, DESTIN, FL 32540-5916

Mortgage

Document Number	31991534
Date	May 24, 2021
Instrument	3199/1534

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030431779
Date	Jun 6, 2017
Book Page	3043/1779
Instrument	20170018423

Lender

Name	AMERIS BANK
Type	Bank
Address	DEFUNIAK SPRINGS, FL 32433

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	May 5, 2022

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031113326
Date	Jul 15, 2019
Book Page	3111/3326
Instrument	20190023600

Lender

Name	WHITNEY BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jun 28, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	May 7, 2019
Property Address	397 WINDSWEPT BLVD, FREEPORT, FL 32439-6225
Document Number	0031043459
Book / Page	003104 / 003459
Instrument Date	Apr 6, 2019
Instrument	14479
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 WINDSWEPT BLVD FREEPORT FL 324396225, FREEPORT, FL 32439-6225

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$424,613 (+36.31%) Land $81,000 Building $343,613	$424,613 (+36.31%) Land $81,000 Building $343,613
2024	$75.00 (-97.18%)
2023	$2,662.00 (+7.04%)	$311,504 (+10.25%) Land $76,000 Building $235,504	$311,504 (+10.25%) Land $76,000 Building $235,504
2022	$2,487.00	$282,536 Land $73,538 Building $208,998	$282,536 Land $73,538 Building $208,998

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

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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