409 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 409 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,354 sqft · built 2017
Lot Size	0.191 acres (8,334 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (Mar 2021)
Tax Bill	$6,473 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0880`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0880`
Alternative APN	`1028355`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,354 sqft Living Area
Gross Area	4,078 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,334 sqft (0.191 acres)
Garage Type	Finished
Garage Area	441 sqft

Exterior Amenities

Porch	Porch
Porch Area	283 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028355
Street Address	409 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2286
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 88 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 3049-1748 OR 3186-4032
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	WHISPERS AT HAMMOCK BAY
Legal Lot Number	88
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2012
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	409 WINDCHIME WAY, FREEPORT, FL 32439-2286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Dec 23, 2020	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
Jan 13, 2020	Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC
Aug 9, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2021 · Amount on Record
Deed Sale	Mar 9, 2021 · Amount on Record
Prior Sale	Aug 9, 2017 · Amount on Record
Deed Document Number	20210011110
Deed Book / Page	3186 / 4032
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 9, 2021
Property Address	409 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0031864032
Book / Page	3186 / 4032
Map Reference	MB 17 PG 60
Instrument Date	Mar 5, 2021
Instrument	20210011110
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	646 SAN MADINA CT, 646, WEBSTER, TX 77598-1564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	0031864034
Date	Mar 9, 2021
Instrument	3186/4034

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	409 WINDCHIME WAY, FREEPORT, FL 32439-2286
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	0031744983
Date	Dec 23, 2020
Book Page	3174/4983
Instrument	20200053137

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	409 WINDCHIME WAY, FREEPORT, FL 32439-2286
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031300616
Date	Jan 13, 2020
Book Page	3130/0616
Instrument	20200001394

Lender

Name	PRIME CHOICE FUNDING INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2049

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Aug 9, 2017
Property Address	409 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0030491748
Book / Page	003049 / 001748
Instrument Date	Aug 8, 2017
Instrument	26417
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 21, 2017
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,448.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 WINDCHIME WAY FREEPORT FL 324392286, FREEPORT, FL 32439-2286

Mortgage

Document Number	30491749
Date	Aug 9, 2017
Book Page	003049/001749
Instrument	26418

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2047

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		$566,931 (+1.73%) Land $63,378 Building $503,553	$566,931 (+1.73%) Land $63,378 Building $503,553
2024	$6,473.00 (+3.5%)
2023	$6,254.00 (+5.29%) Homeowner's exemption	$557,289 (+11.35%) Land $48,642 Building $508,647	$557,289 (+11.35%) Land $48,642 Building $508,647
2022	$5,940.00 Homeowner's exemption	$500,480 Land $53,993 Building $446,487	$500,480 Land $53,993 Building $446,487

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 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	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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% 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 266 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

Cell Coverage

5G (outdoors only) and 4G LTE

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