40 Oyster Blvd, Freeport, FL 32439 Property Records

Walton County property record for 40 Oyster Blvd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,890 sqft · built 2015
Lot Size	0.138 acres (6,050 sqft)
Owner	Individual Name on Record
Last Sale	$241,900 (Jan 2016)
Tax Bill	$2,496 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-1S-19-23010-000-0610`

Property Details

APN / Parcel Number

Primary APN	`21-1S-19-23010-000-0610`
Alternative APN	`1037656`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	2,483 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,050 sqft (0.138 acres)
Garage Type	Finished
Garage Area	400 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	193 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1037656
Street Address	40 OYSTER BLVD
City	FREEPORT
State	FL
Zip	32439-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 61 MARINA VILLAGE PH 1 S/D PB 17-56 OR 2985-4474 OR 3000-2616
Legal Range	19W
Legal Township	01S
Legal Section	21
Legal Subdivision	MARINA VILLAGE PH 1
Legal Phase	1
Legal Lot Number	61
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2135
Census Tract	950502

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	40 OYSTER BLVD, FREEPORT, FL 32439-3516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Jun 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2016 · Amount on Record
Deed Sale	Jan 27, 2016 · Amount on Record
Prior Sale	Jul 29, 2015 · Amount on Record
Deed Document Number	2016000002576
Deed Book / Page	3000 / 2616
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	40 OYSTER BLVD, FREEPORT, FL 32439-3516
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 OYSTER BLVD, FREEPORT, FL 32439-3516

Mortgage

Document Number	0032193092
Date	Oct 6, 2021
Book Page	3219/3092
Instrument	20210050076

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2046

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	40 OYSTER BLVD, FREEPORT, FL 32439-3516
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031092043
Date	Jun 24, 2019
Book Page	3109/2043
Instrument	20190020807

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	FREEPORT, FL 32439

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$339,422 (-0.89%) Land $42,000 Building $297,422	$339,422 (-0.89%) Land $42,000 Building $297,422
2024	$2,496.00 (+3.87%)
2023	$2,403.00 (+5.81%) Homeowner's exemption	$342,474 (-2.36%) Land $42,000 Building $300,474	$342,474 (-2.36%) Land $42,000 Building $300,474
2022	$2,271.00 Homeowner's exemption	$350,745 Land $46,620 Building $304,125	$350,745 Land $46,620 Building $304,125

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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