43 Prospect St, Freeport, FL 32439 Property Records

Walton County property record for 43 Prospect St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,670 sqft · built 2019
Lot Size	0.169 acres (7,398 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2019)
Tax Bill	$3,316 (2024)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23080-000-0100`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23080-000-0100`
Alternative APN	`1022641`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Living Area
Gross Area	2,302 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,398 sqft (0.169 acres)
Garage Type	Finished
Garage Area	399 sqft
Porch	Porch
Porch Area	233 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022641
Street Address	43 PROSPECT ST
City	FREEPORT
State	FL
Zip	32439-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 PROSPECT PARK S/D PB 17-37 OR 2933-545 OR 3038-3908 OR 3117-4876
Legal Range	19W
Legal Township	01S
Legal Section	15
Legal Subdivision	PROSPECT PARK
Legal Lot Number	10
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 17, 2025

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	43 PROSPECT ST, FREEPORT, FL 32439-3802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Apr 13, 2018	Deed of Trust, Mortgage FIRST CTY BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2019 · Amount on Record
Deed Sale	Sep 16, 2019 · Amount on Record
Prior Sale	Oct 8, 2013 · Amount on Record
Deed Document Number	20190031880
Deed Book / Page	3117 / 4876
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 16, 2019
Property Address	43 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0031174876
Book / Page	003117 / 004876
Instrument Date	Sep 11, 2019
Instrument	31880
Transaction Type	Transfer
Record Updated	Oct 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 PROSPECT ST FREEPORT FL 324393802, FREEPORT, FL 32439-3802

Mortgage

Document Number	31174878
Date	Sep 16, 2019
Book Page	003117/004878
Instrument	31881

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	43 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0030712896
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	May 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1269 OLD MONROE MADISON HWY MONROE GA 306557239, MONROE, GA 30655-7239

Mortgage

Document Number	0030712896
Date	Apr 23, 2018
Book Page	003071/002896
Instrument	13177

Lender

Name	FIRST CTY BK/FL
Type	Bank
Address	FT WALTON BCH, FL 32548-5552

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$328,857 (+16.96%) Land $28,000 Building $300,857	$328,857 (+16.96%) Land $28,000 Building $300,857
2024	$3,316.00 (+3.72%)
2023	$3,197.00 (-4.71%) Homeowner's exemption	$281,165 (-5.69%) Land $20,444 Building $260,721	$281,165 (-5.69%) Land $20,444 Building $260,721
2022	$3,355.00 Homeowner's exemption	$298,133 Land $22,693 Building $275,440	$298,133 Land $22,693 Building $275,440

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 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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