43 Hemingway Ln, Freeport, FL 32439 Property Records

Walton County property record for 43 Hemingway Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2015
Lot Size	0.188 acres (8,200 sqft)
Owner	2 Individual Names on File
Last Sale	$239,500 (Mar 2018)
Tax Bill	$2,676 (2024)
Deeds & Mortgages	Nov 2020 Transfer Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0110`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0110`
Alternative APN	`1028151`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,348 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,200 sqft (0.188 acres)
Garage Type	Finished
Garage Area	380 sqft
Porch	Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028151
Street Address	43 HEMINGWAY LN
City	FREEPORT
State	FL
Zip	32439-2293
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 11 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 2998-4953 OR 3067-1712 OR 3167-299
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

43 Hemingway Ln is owned and occupied by two individuals who acquired it in November 2020.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	43 HEMINGWAY LN, FREEPORT, FL 32439-2293
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 7, 2018	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 7, 2018 · Amount on File
Deed Sale	Mar 7, 2018 · Amount on File
Prior Sale	Mar 7, 2018 · Amount on File
Deed Document Number	0030671712
Deed Book / Page	003067 / 001712
Last Transfer Date	Nov 2, 2020
Transfer Doc	0031670299
Record Updated	Jun 8, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Nov 2, 2020
Property Address	43 HEMINGWAY LN, FREEPORT, FL 32439-2293
Document Number	0031670299
Book / Page	003167 / 000299
Instrument Date	Oct 27, 2020
Instrument	44160
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	852 COLDWATER CREEK CIR NICEVILLE FL 325781659, NICEVILLE, FL 32578-1659

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 7, 2018
Property Address	43 HEMINGWAY LN, FREEPORT, FL 32439-2293
Document Number	0030671712
Book / Page	003067 / 001712
Instrument Date	Feb 27, 2018
Instrument	7332
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.50
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	43 HEMINGWAY LN FREEPORT FL 324392293, FREEPORT, FL 32439-2293

Mortgage

Document Number	30671714
Date	Mar 7, 2018
Book Page	003067/001714
Instrument	7333

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2048

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		$331,614 Land $50,000 Building $281,614	$331,614 Land $50,000 Building $281,614
2024	$2,676.00 (+3.88%)
2023	$2,576.00 (+2.83%) Homeowner's exemption	$347,734 (+9.66%) Land $40,535 Building $307,199	$347,734 (+9.66%) Land $40,535 Building $307,199
2022	$2,505.00 Homeowner's exemption	$317,097 Land $44,994 Building $272,103	$317,097 Land $44,994 Building $272,103

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

Flood

FEMA maps place 43 Hemingway Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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

Wildfire risk around 43 Hemingway Ln is moderate, ranking above 43% of the US, with a 0.05% annual chance of 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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