428 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 428 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,899 sqft · built 2008
Lot Size	0.347 acres (15,121 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Aug 2019)
Tax Bill	$4,109 (2024)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Sep 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-0790`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-0790`
Alternative APN	`1025893`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,899 sqft Living Area
Gross Area	2,680 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2008
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,121 sqft (0.347 acres)
Garage Type	Finished
Garage Area	483 sqft
Porch	Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1025893
Street Address	428 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 79 SYMPHONY AT HAMMOCK BAY PB 17-7 OR 2715-4455 OR 2791-2342 OR 2818-4331 OR 3085-1774 OR 3113-2748
Legal Range	19W
Legal Township	01S
Legal Section	16
Legal Subdivision	SYMPHONY AT HAMMOCK BAY
Legal Lot Number	79
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
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	428 SYMPHONY WAY, FREEPORT, FL 32439-2488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2019	Warranty Deed, Transfer · FHA Mortgage MORIA DEVELOPMENT INC
Sep 18, 2018	Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Sep 18, 2018 · Amount on Record
Deed Document Number	20190026226
Deed Book / Page	3113 / 2748
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 1, 2019
Property Address	428 SYMPHONY WAY, FREEPORT, FL 32439-2488
Document Number	0031132748
Book / Page	3113 / 2748
Map Reference	MB 17 PG 27-27D
Instrument Date	Jul 26, 2019
Instrument	20190026226
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,764.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8668 NAVARRE PKWY # 101, 8668, NAVARRE, FL 32566-2185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SYMPHONY WAY, FREEPORT, FL 32439-2488

Mortgage

Document Number	0031132750
Date	Aug 1, 2019
Instrument	3113/2750

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

September 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	WALTON FL
Recording Date	Sep 18, 2018
Property Address	428 SYMPHONY WAY, FREEPORT, FL 32439-2488
Document Number	0030851774
Book / Page	003085 / 001774
Instrument Date	Sep 18, 2018
Instrument	31560
Transaction Type	Foreclosure
Record Updated	Oct 3, 2018

Transaction

Amount	Amount Recorded
Tax	$1,263.50
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	190 CHASE DR PELHAM AL 351242664, PELHAM, AL 35124-2664

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		$329,808 (-9.6%) Land $80,750 Building $249,058	$329,808 (-9.6%) Land $80,750 Building $249,058
2024	$4,109.00 (+1.33%)
2023	$4,055.00 (+8.39%) Homeowner's exemption	$364,842 (+14.49%) Land $80,750 Building $284,092	$364,842 (+14.49%) Land $80,750 Building $284,092
2022	$3,741.00 Homeowner's exemption	$318,663 Land $64,102 Building $254,561	$318,663 Land $64,102 Building $254,561

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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