45 Nelly St, Freeport, FL 32439 Property Records

Walton County property record for 45 Nelly St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 2017
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,300 (Nov 2017)
Tax Bill	$1,523 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23090-000-0270`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23090-000-0270`
Alternative APNs	`17-119-23090-000-0270` `1028402`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,487 sqft Living Area
Gross Area	2,001 sqft
1st Floor Area	1,487 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	113 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	418 sqft
Porch	Finished/Open Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 NELLY ST
City	FREEPORT
State	FL
Zip	32439-7616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 27 SCHOONER LANDING AT HAMMOCK BAY PB 18-20 OR 2883-4949 OR 2908-3752 OR 3057-3255 OR 3337-1498
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Block	2
Legal Lot Number	27
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2145
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 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	45 NELLY ST, FREEPORT, FL 32439-7616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 16, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2017 · Amount on Record
Deed Sale	Nov 16, 2017 · Amount on Record
Deed Document Number	201737940
Deed Book / Page	3057 / 3255
Last Transfer Date	Sep 24, 2024
Transfer Doc	0033371498
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	45 NELLY ST, FREEPORT, FL 32439-7616
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 NELLY ST, FREEPORT, FL 32439-7616

Mortgage

Document Number	0031940412
Date	Apr 22, 2021
Book Page	3194/412
Instrument	20210019619

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

November 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 16, 2017
Property Address	45 NELLY ST, FREEPORT, FL 32439-7616
Document Number	0030573255
Book / Page	3057 / 3255
Map Reference	MB18 PG20,20A-20C
Instrument Date	Nov 15, 2017
Instrument	2017000037940
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 NELLY ST, FREEPORT, FL 32439-7616

Mortgage

Document Number	2017000037941
Date	Nov 16, 2017
Instrument	2017000037941

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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	$1,523.00 (-0.52%)	$157,567 (-44.24%)	$269,745 (-4.54%) Land $50,000 Building $219,745
2024	$1,531.00 (+4.29%)
2023	$1,468.00 (+5.61%) Homeowner's exemption	$282,564 (+9.67%) Land $42,178 Building $240,386	$282,564 (+9.67%) Land $42,178 Building $240,386
2022	$1,390.00 Homeowner's exemption	$257,646 Land $46,818 Building $210,828	$257,646 Land $46,818 Building $210,828

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
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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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 391 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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