Walton County property record for 43 Tropical Way, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 2004 |
| Lot Size | 0.333 acres (14,535 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jul 2009) |
| Tax Bill | $546 (2024) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-1S-19-23032-000-0030 |
| Primary APN | 33-1S-19-23032-000-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 2,445 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,535 sqft (0.333 acres) |
| Lot Dimensions | 19 ft deep x 7.6 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 225 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1072991 |
|---|---|
| Street Address | 43 TROPICAL WAY |
| City | FREEPORT |
| State | FL |
| Zip | 32439-4734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BRANDON OAKS S/D 1ST ADD PB 15-91 OR 2643-4201 OR 2644-3965 OR 2812-4617 OR 2820-2626 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | BRANDON OAKS |
| Legal Lot Number | 3 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 950502 |
43 Tropical Way is owned and occupied by an individual who bought it in July 2009.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 43 TROPICAL WAY, FREEPORT, FL 32439-4734 |
| 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.
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jun 1, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Aug 2, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2009 · Amount on File |
| Deed Sale | Jul 1, 2009 · Amount on File |
| Prior Sale | Dec 9, 2004 · Amount on File |
| Deed Document Number | 1084093 |
| Deed Book / Page | 2820 / 2626 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 43 TROPICAL WAY, FREEPORT, FL 32439-4734 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 43 TROPICAL WAY, FREEPORT, FL 32439-4734 |
| Document Number | 0033872969 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 3387/2969 |
| Instrument | 20260005952 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 43 TROPICAL WAY, FREEPORT, FL 32439-4734 |
| Document Number | 0031452173 |
| Instrument Date | Jun 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 TROPICAL WAY FREEPORT FL 324394734, FREEPORT, FL 32439-4734 |
| Document Number | 0031452173 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 003145/002173 |
| Instrument | 19196 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 4, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 43 TROPICAL WAY, FREEPORT, FL 32439-4734 |
| Document Number | 0030813443 |
| Instrument Date | Aug 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 TROPICAL WAY FREEPORT FL 324394734, FREEPORT, FL 32439-4734 |
| Document Number | 0030813443 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 003081/003443 |
| Instrument | 26554 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 7, 2033 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $271,465 Land $50,000 Building $221,465 | $271,465 Land $50,000 Building $221,465 | |
| 2024 | $546.00 (+4.8%) | ||
| 2023 | $521.00 (+1.96%) Homeowner's exemption | $282,777 (+9.53%) Land $32,648 Building $250,129 | $282,777 (+9.53%) Land $32,648 Building $250,129 |
| 2022 | $511.00 Homeowner's exemption | $258,181 Land $36,239 Building $221,942 | $258,181 Land $36,239 Building $221,942 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Tropical Way in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1992.
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 |
|---|---|
| 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 |
|
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 risk around 43 Tropical Way is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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