415 Live Oak St, Freeport, FL 32439 Property Records

Walton County property record for 415 Live Oak St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,521 sqft · built 2020
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$237,000 (Aug 2020)
Tax Bill	$1,160 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41040-00C-0160`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41040-00C-0160`
Alternative APNs	`28-121-41040-00C-0160` `1058767`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,521 sqft Living Area
1st Floor Area	1,521 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	201 ft deep x 75 ft wide
Porch	Finished/Open Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 LIVE OAK ST
City	FREEPORT
State	FL
Zip	32439-6762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 16 BLK C CHOCTAW S/D PB 2-71 OR 2608-3865 OR 3156-4682
Legal Range	021
Legal Township	01S
Legal Section	28
Legal Subdivision	CHOCTAW S/D
Legal Block	C01
Legal Lot Number	160
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1032
Census Tract	950306

Owner

415 Live Oak St is owned and occupied by an individual who acquired it in June 2022.

Source: Walton County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 16, 2022	Intrafamily Transfer, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Aug 27, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2020 · Amount on File
Deed Sale	Aug 27, 2020 · Amount on File
Prior Sale	May 7, 2004 · Amount on File
Deed Document Number	202032622
Deed Book / Page	3156 / 4682
Last Transfer Date	Jun 15, 2022
Transfer Doc	0032562661
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762

Mortgage

Document Number	0032644652
Date	Aug 30, 2022
Book Page	3264/4652
Instrument	20220039172

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jul 23, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jun 16, 2022
Property Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762
Document Number	0032562661
Book / Page	3256 / 2661
Map Reference	MB 2 PG 71
Instrument Date	Jun 15, 2022
Instrument	20220028242
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 LIVE OAK ST, 415, FREEPORT, FL 32439-6762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 27, 2020
Property Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762
Document Number	0031564682
Book / Page	3156 / 4682
Map Reference	MB 2 PG 71
Instrument Date	Aug 21, 2020
Instrument	20200032622
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,659.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15787 BUSINESS #331331, 15787, FREEPORT, FL 32439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 LIVE OAK ST, FREEPORT, FL 32439-6762

Mortgage

Document Number	0031564684
Date	Aug 27, 2020
Instrument	3156/4684

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 415 Live Oak St was $1,160, up 2% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$1,160.00 (+2.02%)	$169,111	$225,094 Land $62,500 Building $162,594
2024	$1,137.00 (+11.8%)
2023	$1,017.00 (-5.83%) Homeowner's exemption	$226,902 (-5.16%) Land $62,500 Building $164,402	$226,902 (-5.16%) Land $62,500 Building $164,402
2022	$1,080.00 Homeowner's exemption	$239,238 Land $79,420 Building $159,818	$239,238 Land $79,420 Building $159,818

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

Flood

FEMA maps place 415 Live Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 415 Live Oak St is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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	0.06% 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Wildstar Networks.

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