Walton County property record for 401 Symphony Way, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,897 sqft · built 2008 |
| Lot Size | 0.305 acres (13,286 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Jun 2023) |
| Tax Bill | $5,417 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-1S-19-23020-000-1240 |
| Primary APN | 16-1S-19-23020-000-1240 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,897 sqft Living Area |
| Gross Area | 2,866 sqft |
| 1st Floor Area | 1,897 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,286 sqft (0.305 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 401 SYMPHONY WAY |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HAMBAY |
| Legal Description | LOT 124 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 3293-3169 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 16 |
| Legal Subdivision | HAMMOCK BAY |
| Legal Block | 12 |
| Legal Lot Number | 124 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950502 |
Source: Walton County records, as of August 4, 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 | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · Construction Mortgage HOMES MORTGAGE LLC |
| Apr 9, 2024 | Deed of Trust, Mortgage · Conventional Mortgage EAST COAST CAPITAL CORP |
| Jun 26, 2023 | Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE |
| Oct 29, 2021 | Intrafamily Transfer, Transfer · VA Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2023 · Amount on Record |
| Deed Sale | Jun 26, 2023 · Amount on Record |
| Prior Sale | Oct 29, 2021 · Amount on Record |
| Deed Document Number | 202322483 |
| Deed Book / Page | 3293 / 3169 |
| Prior Transfer Date | Aug 10, 2021 |
| Prior Transfer Doc | 0032224351 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 2, 2026 |
| Property Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Number | 0000022428 |
| Book / Page | 3400 / 2325 |
| Instrument Date | May 15, 2026 |
| Instrument | 202622428 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Number | 0000022428, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 3400/2325 |
| Instrument | 202622428 |
| Name | HOMES MORTGAGE LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.3% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Number | OR33210001 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | OR3321/1 |
| Instrument | 20240012116 |
| Name | EAST COAST CAPITAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | 25 MELVILLE PARK RD STE 200, MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 26, 2023 |
| Property Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Number | 0032933169 |
| Book / Page | 3293 / 3169 |
| Map Reference | MB 17 PG 27 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 20230022483 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2516 PIN OAK DR, TEMPLE, TX 76502-2663 |
| Name | Verified Name |
|---|---|
| Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 29, 2021 |
| Property Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Number | 0032224351 |
| Book / Page | 3222 / 4351 |
| Map Reference | MB 17 PG 27&27A-27D |
| Instrument Date | Aug 10, 2021 |
| Instrument | 20210053928 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 401 SYMPHONY WAY, FREEPORT, FL 32439-2478 |
| Document Number | 0032224353 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 3222/4353 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2051 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,417.00 (+1.46%) | $346,044 (-9.2%) Land $96,900 Building $249,144 | $346,044 (-9.2%) Land $96,900 Building $249,144 |
| 2024 | $5,339.00 (-11.15%) | ||
| 2023 | $6,009.00 (+91.8%) | $381,103 (+14.94%) Land $96,900 Building $284,203 | $381,103 (+14.94%) Land $96,900 Building $284,203 |
| 2022 | $3,133.00 Homeowner's exemption | $331,577 Land $76,923 Building $254,654 | $331,577 Land $76,923 Building $254,654 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 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 |
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