431 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 431 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,263 sqft · built 2018
Lot Size	0.2 acres (8,724 sqft)
Owner	2 Company Names on Record
Last Sale	$30,000 (Oct 2017)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0860`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0860`
Alternative APNs	`17-119-23080-000-0860` `1028353`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,263 sqft Living Area
Gross Area	2,991 sqft
1st Floor Area	2,263 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Hardboard
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,724 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Patio
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	431 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2286
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 86 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2840-3327 OR 3055-2745 OR 3080-4568
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Block	8
Legal Lot Number	86
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2012
Census Tract	950502

Owner

Source: Walton County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 11, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage MCGILL ESCROW & TITLE LLC
Nov 19, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FL BK
Oct 23, 2017	Grant Deed, Transfer MCGILL ESCROW AND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2017 · Amount on Record
Deed Sale	Oct 23, 2017 · Amount on Record
Deed Document Number	201734934
Deed Book / Page	3055 / 2745
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 25, 2026
Property Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0000039636
Book / Page	3414 / 487
Instrument Date	Aug 21, 2026
Instrument	202639636
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	0032021729
Date	Jun 11, 2021
Book Page	3202/1729
Instrument	20210029619

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031303656
Date	Jan 21, 2020
Book Page	3130/3656
Instrument	20200002145

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 31, 2018
Property Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0030804568
Book / Page	3080 / 4568
Map Reference	MB17 PG60-60B
Instrument Date	Jul 27, 2018
Instrument	2018000025587
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9295, MIRAMAR BEACH, FL 32550-1023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 MOZART LN, FREEPORT, FL 32439-2464

Mortgage

Document Number	0000000000
Date	Jul 31, 2018
Instrument	2018000025588

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0030584573
Book / Page	003058 / 004573
Instrument Date	Nov 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 5 DESTIN FL 325400005, DESTIN, FL 32540-0005

Mortgage

Document Number	0030584573
Date	Dec 4, 2017
Book Page	003058/004573
Instrument	39570

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Oct 23, 2017
Property Address	431 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0030552745
Book / Page	003055 / 002745
Instrument Date	Oct 20, 2017
Instrument	34934
Transaction Type	Transfer
Record Updated	Nov 8, 2017
Title Company	MCGILL ESCROW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$210.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 9295 MIRAMAR BEACH FL 325501023, MIRAMAR BEACH, FL 32550-1023

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$3,111.00 (-0.99%)	$284,304 (-27.71%)	$408,030 (+3.75%) Land $63,378 Building $344,652
2024	$3,142.00 (+3.76%)
2023	$3,028.00 (+5.4%) Homeowner's exemption	$393,294 (+9.46%) Land $48,642 Building $344,652	$393,294 (+9.46%) Land $48,642 Building $344,652
2022	$2,873.00 Homeowner's exemption	$359,302 Land $53,993 Building $305,309	$359,302 Land $53,993 Building $305,309

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	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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