Walton County property record for 448 Whispering Creek Ave, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,620 sqft · built 2022 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Company Name on File |
| Last Sale | $305,000 (Jan 2026) |
| Tax Bill | $3,795 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-1S-19-23300-00C-0060 |
| Primary APN | 03-1S-19-23300-00C-0060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 2,125 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Width | 7.5 ft Width |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1004955 |
|---|---|
| Street Address | 448 WHISPERING CREEK AVE |
| City | FREEPORT |
| State | FL |
| Zip | 32439-3129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLK C CROSS CREEK ESTATES PH 1 PB 18-74 OR 3197-3129 OR 3244-2187 |
| Legal Range | 19W |
| Legal Township | 01S |
| Legal Section | 03 |
| Legal Subdivision | BLK C CROSS CREEK |
| Legal Phase | 1 |
| Legal Block | C |
| Legal Lot Number | 6 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 950306 |
448 Whispering Creek Ave is owned by a company that bought it in January 2026 and is owner-occupied.
Source: Walton County records, as of January 22, 2026
| Owner of Record | Company Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 448 WHISPERING CREEK AVE, FREEPORT, FL 32439-3129 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary 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 |
|---|---|
| Jan 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Mar 23, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage INSPIRE HOME LOANS INC |
| May 13, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2026 · Amount on File |
| Deed Sale | Jan 6, 2026 · Amount on File |
| Prior Sale | Mar 23, 2022 · Amount on File |
| Deed Document Number | 20260000356 |
| Deed Book / Page | 3383 / 1781 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 6, 2026 |
| Property Address | 448 WHISPERING CREEK AVE, FREEPORT, FL 32439-3129 |
| Document Number | 0033831781 |
| Book / Page | 3383 / 1781 |
| Map Reference | MB 18 PG 74&74 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 20260000356 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 205 SIERRA CT, SANTA ROSA BEACH, FL 32459-4976 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 448 WHISPERING CREEK AVE, FREEPORT, FL 32439-3129 |
| Document Number | 0033831783 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 3383/1783 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 23, 2022 |
| Property Address | 448 WHISPERING CREEK AVE, FREEPORT, FL 32439-3129 |
| Document Number | 0032442187 |
| Book / Page | 3244 / 2187 |
| Map Reference | MB 18 PG 74 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 20220013666 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR, PEACHTREE CORNERS, GA 30071-1143 |
| Name | Verified Name |
|---|---|
| Address | 205 SIERRA CT, SANTA ROSA BEACH, FL 32459-4976 |
| Document Number | 0032442189 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 3244/2189 |
| Name | INSPIRE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 13, 2021 |
| Property Address | 448 WHISPERING CREEK AVE, FREEPORT, FL 32439-3129 |
| Document Number | 0031973129 |
| Book / Page | 3197 / 3129 |
| Instrument Date | May 6, 2021 |
| Instrument | 20210023892 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $11,088.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 42 BUSINESS CENTRE DR # DR101, DR101, MIRAMAR BEACH, FL 32550-6920 |
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR, PEACHTREE CORNERS, GA 30071-1143 |
| Investor | Possibly a Property Investor |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $265,355 Land $30,000 Building $235,355 | $265,355 Land $30,000 Building $235,355 | |
| 2024 | $3,795.00 (+0.26%) | ||
| 2023 | $3,785.00 (+1,251.79%) | $284,404 (+1,193.69%) Land $19,805 Building $264,599 | $284,404 (+1,193.69%) Land $19,805 Building $264,599 |
| 2022 | $280.00 | $21,984 Land $21,984 | $21,984 Land $21,984 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 448 Whispering Creek Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 16 in force |
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 448 Whispering Creek Ave is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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