43 Joyce Rd, Freeport, FL 32439 Property Records

Walton County property record for 43 Joyce Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1999
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Jan 2018)
Tax Bill	$564 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-1S-18-14000-001-0061`

Property Details

APN / Parcel Number

Primary APN	`30-1S-18-14000-001-0061`
Alternative APNs	`30-118-14000-001-0061` `1066053`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	1,640 sqft
1st Floor Area	1,400 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	40,946 sqft (0.94 acres)
Porch	Finished/Open Porch
Porch Area	240 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	43 JOYCE RD
City	FREEPORT
State	FL
Zip	32439-5924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT A PT WHERE THE E ROW LINE OF A CO RD INT WITH THE N LINE OF SEC 30, RUN S 34 DEG 13'40 E, ALONG SAID ROW LINE 1989.62 FT; N 89 DEG 43'34 E, 108.10 FT TO POB; CONT N 89 DEG 43'34 E, 146.63 FT; N 00 17'20 W, 255.95 FT, S 89 DEG 43'34 W, 170 FT;
Legal Range	018
Legal Township	01S
Legal Section	30
Legal Subdivision	DRUID MANOR SUBDIVISION
Legal Block	100
Legal Lot Number	61
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3043
Census Tract	950501

Owner

Source: Walton County records, as of February 27, 2026

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
Mailing Address	PO BOX 372, FREEPORT, FL 32439-0372
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 15, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 23, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Jan 22, 2018	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2018 · Amount on Record
Deed Sale	Jan 22, 2018 · Amount on Record
Deed Document Number	20182179
Deed Book / Page	3063 / 3229
Prior Transfer Date	Dec 23, 2014
Prior Transfer Doc	0029673452
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	43 JOYCE RD, FREEPORT, FL 32439-5924
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 JOYCE RD, FREEPORT, FL 32439-5924

Mortgage

Document Number	0033871594
Date	Feb 17, 2026
Book Page	3387/1594
Instrument	20260005636

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2046

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	43 JOYCE RD, FREEPORT, FL 32439-5924
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032663891
Date	Sep 15, 2022
Book Page	3266/3891
Instrument	20220041399

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	43 JOYCE RD, FREEPORT, FL 32439-5924
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 JOYCE RD, FREEPORT, FL 32439-5924

Mortgage

Document Number	0032532199
Date	May 23, 2022
Book Page	3253/2199
Instrument	20220024478

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	129 Months
Due	Feb 1, 2033

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 22, 2018
Property Address	43 JOYCE RD, FREEPORT, FL 32439-5924
Document Number	0030633229
Book / Page	003063 / 003229
Instrument Date	Jan 17, 2018
Instrument	2179
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	EMERALD COAST TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,169.00
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	206 CYPRESS POINT LN FL, FL

Mortgage

Document Number	30633232
Date	Jan 22, 2018
Book Page	003063/003232
Instrument	2180

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 21, 2033

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	$564.00 (+3.68%)	$101,827 (-35.87%)	$185,296 (+16.71%) Land $38,000 Building $147,296
2024	$544.00 (+5.02%)
2023	$518.00 (+5.71%) Homeowner's exemption	$158,772 (+19.01%) Land $5,690 Building $153,082	$158,772 (+19.01%) Land $5,690 Building $153,082
2022	$490.00 Homeowner's exemption	$133,416 Land $6,317 Building $127,099	$133,416 Land $6,317 Building $127,099

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 A, within 500 ft
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 68% of the US · above 47% 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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