42 Prospect St, Freeport, FL 32439 Property Records

Walton County property record for 42 Prospect St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2022
Lot Size	0.165 acres (7,166 sqft)
Owner	2 Company Names on File
Last Sale	$360,000 (May 2022)
Tax Bill	$4,178 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Nov 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23080-000-0030`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23080-000-0030`
Alternative APNs	`15-119-23080-000-0030` `1022633`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	2,270 sqft
1st Floor Area	1,560 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,166 sqft (0.165 acres)
Garage Type	Attached
Garage Area	466 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	42 PROSPECT ST
City	FREEPORT
State	FL
Zip	32439-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNI
Legal Description	LOT 3 PROSPECT PARK S/D PB 17-37 OR 2706-336 OR 2737-2719 OR 2959-763 OR 3038-3904 OR 3343-186
Legal Range	019
Legal Township	01S
Legal Section	15
Legal Subdivision	PROSPECT PARK
Legal Lot Number	3
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1008
Census Tract	950502

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	8733 CORAL REEF WAY, PANAMA CITY BEACH, FL 32413-9601
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Line of Credit UNITED FIDELITY BANK FSB
Nov 27, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 27, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 27, 2022	Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	Sep 8, 2014 · Amount on File
Deed Document Number	202225308
Deed Book / Page	3254 / 539
Last Transfer Date	Nov 25, 2024
Transfer Doc	0033430186
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	42 PROSPECT ST, FREEPORT, FL 32439-3802
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1269 OLD MONROE MADISON HWY, MONROE, GA 30655-7239

Mortgage

Document Number	0032204694
Date	Oct 15, 2021
Book Page	3220/4694
Instrument	20210051654

Lender

Name	UNITED FIDELITY BANK FSB
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 8, 2022

Interest

Rate Type	Adjustable Rate

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 27, 2024
Property Address	42 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0033430186
Book / Page	3343 / 186
Map Reference	MB 17 PG 37
Instrument Date	Nov 25, 2024
Instrument	20240041318
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8733 CORAL REEF WAY, PANAMA CITY BEACH, FL 32413-9601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8733 CORAL REEF WAY, PANAMA CITY BEACH, FL 32413-9601

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 27, 2024
Property Address	42 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0033430186
Book / Page	3343 / 186
Map Reference	MB 17 PG 37
Instrument Date	Nov 25, 2024
Instrument	20240041318
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8733 CORAL REEF WAY, PANAMA CITY BEACH, FL 32413-9601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8733 CORAL REEF WAY, PANAMA CITY BEACH, FL 32413-9601

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 27, 2022
Property Address	42 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0032540539
Book / Page	3254 / 539
Map Reference	MB 17 PG 37
Instrument Date	May 27, 2022
Instrument	20220025308
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1269 OLD MONROE MADISON HWY, MONROE, GA 30655-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	833 LONG HOLLOW PIKE, GOODLETTSVILLE, TN 37072-4312
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$4,178.00 (-11.71%)	$327,470 (+6.12%) Land $28,000 Building $299,470	$327,470 (+6.12%) Land $28,000 Building $299,470
2024	$4,732.00 (+33.11%)
2023	$3,555.00 (+2,094.44%) Homeowner's exemption	$308,580 (+1,259.8%) Land $20,444 Building $288,136	$308,580 (+1,259.8%) Land $20,444 Building $288,136
2022	$162.00	$22,693 Land $22,693	$22,693 Land $22,693

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1992–2021)
Claims Outside the SFHA	7 of 68
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, CenturyLink.

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