442 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 442 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,153 sqft · built 2007
Lot Size	0.416 acres (18,103 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jun 2013)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Sep 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-0780`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-0780`
Alternative APNs	`16-119-23020-000-0780` `1025892`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,153 sqft Living Area
Gross Area	2,838 sqft
1st Floor Area	2,153 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	18,103 sqft (0.416 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished Screened Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	442 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 78 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2715-4455 OR 2781-2422 OR 2915-729 OR 2921-4599 OR 2921-4601
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	7
Legal Lot Number	78
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

Source: Walton County records, as of March 30, 2026

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	442 SYMPHONY WAY, FREEPORT, FL 32439-2488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Sep 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Jun 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TRIDENT HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2013 · Amount on Record
Deed Sale	Jun 6, 2013 · Amount on Record
Prior Sale	Mar 21, 2013 · Amount on Record
Deed Document Number	20131240692
Deed Book / Page	2921 / 4601
Prior Transfer Date	Apr 5, 2013
Prior Transfer Doc	0029214599
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	442 SYMPHONY WAY, FREEPORT, FL 32439-2488
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 SYMPHONY WAY, FREEPORT, FL 32439-2488

Mortgage

Document Number	0033904126
Date	Mar 17, 2026
Book Page	3390/4126
Instrument	20260010057

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	442 SYMPHONY WAY, FREEPORT, FL 32439-2488
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 SYMPHONY WAY, FREEPORT, FL 32439-2488

Mortgage

Document Number	0033694186
Date	Sep 4, 2025
Book Page	3369/4186
Instrument	20250031711

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jun 25, 2021
Property Address	442 SYMPHONY WAY, FREEPORT, FL 32439-2488
Document Number	0032041357
Book / Page	3204 / 1357
Map Reference	MB 17 PG 27
Instrument Date	Jun 18, 2021
Instrument	20210032025
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 SYMPHONY WAY, FREEPORT, FL 32439-2488

Mortgage

Document Number	0032041359
Date	Jun 25, 2021
Instrument	3204/1359

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$3,209.00 (-0.43%) Homeowner's exemption	$225,736 (-40.51%)	$348,401 (-8.18%) Land $80,750 Building $267,651
2024	$3,223.00 (+4.1%)
2023	$3,096.00 (+4.03%) Homeowner's exemption	$379,425 (+13.3%) Land $80,750 Building $298,675	$379,425 (+13.3%) Land $80,750 Building $298,675
2022	$2,976.00 Homeowner's exemption	$334,898 Land $64,102 Building $270,796	$334,898 Land $64,102 Building $270,796

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% 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 88 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

Nearby Properties on Symphony Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures