4196 State Hwy 20 E, Freeport, FL 32439 Property Records

Walton County property record for 4196 State Hwy 20 E, Freeport, FL 32439

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 4.5 ba · 6,509 sqft · built 2003
Lot Size	11.4 acres (497,455 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Jan 2022)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-1S-18-14000-012-0010`

Property Details

APN / Parcel Number

Primary APN	`20-1S-18-14000-012-0010`
Alternative APNs	`20-118-14000-012-0010` `1036055`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	6,509 sqft Gross Area
1st Floor Area	4,142 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	497,455 sqft (11.4 acres)
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	415 sqft
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4196 STATE HIGHWAY 20 E
City	FREEPORT
State	FL
Zip	32439-6034
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	GA
Legal Description	COM NW/COR SEC 20-1S-18W, S 01 DEG 29'41W 2646.68 FT TO CNRT LN ST RD 20, S 85 DEG 22'56E ALG CNTRLN 1958.59 FT, DPRT CNTRLN S 01 DEG 13'48W 100.16 FT TO S/LY ROW ST RD 20 FOR POB, S 85 DEG 43'32E 714.99 FT S 01 DEG 33'41W 998.53 FT, N 85 DEG 27'25W
Legal Range	018
Legal Township	01S
Legal Section	20
Legal Block	1200
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3041
Census Tract	950501

Owner

Source: Walton County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 30, 2025	Intrafamily Transfer, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Jun 22, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 10, 2022	Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Deed Document Number	20221199
Deed Book / Page	3233 / 4679
Last Transfer Date	Mar 31, 2025
Transfer Doc	0033571057
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Sep 22, 2026
Property Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034
Document Number	0000038978
Book / Page	3413 / 2711
Instrument Date	Sep 17, 2026
Instrument	202638978
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

Mortgage

Document Number	0000038978,
Date	Sep 22, 2026
Book Page	3413/2711
Instrument	202638978

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Apr 30, 2025
Property Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034
Document Number	0033571057
Book / Page	3357 / 1057
Instrument Date	Mar 21, 2025
Instrument	20250015005
Transaction Type	Transfer
Record Updated	Dec 18, 2025
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	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jun 22, 2023
Property Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034
Document Number	0032931573
Book / Page	3293 / 1573
Instrument Date	Jun 20, 2023
Instrument	20230022079
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 10, 2022
Property Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034
Document Number	0032334679
Book / Page	3233 / 4679
Instrument Date	Jan 6, 2022
Instrument	20220001199
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 168, FREEPORT, FL 32439-0168

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

Tax Assessment & Valuation

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	$3,840.00 (+0.81%)	$494,290 (+0.08%)	$556,376 (+6.59%) Land $90,940 Building $465,436
2024	$3,809.00 (-1.65%)
2023	$3,873.00 (+93.46%) Homeowner's exemption	$493,903 (+17.85%) Land $25,854 Building $468,049	$521,969 (+11.22%)
2022	$2,002.00 Homeowner's exemption	$419,087 Land $6,819 Building $412,268	$469,322

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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