456 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 456 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,318 sqft · built 2011
Lot Size	0.278 acres (12,128 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,127 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0110`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0110`
Alternative APN	`1028278`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,318 sqft Living Area
Gross Area	3,050 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2011
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,128 sqft (0.278 acres)
Garage Type	Finished
Garage Area	572 sqft
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028278
Street Address	456 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2290
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 11 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2840-3327 OR 2870-2387 OR 3021-2169 OR 3116-2145
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	WHISPERS AT HAMMOCK BAY
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

456 Windchime Way is owned and occupied by two individuals who acquired it in August 2019.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	456 WINDCHIME WAY, FREEPORT, FL 32439-2290
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 29, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Sep 26, 2016 · Amount on File
Last Transfer Date	Aug 29, 2019
Transfer Doc	0031162145
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	456 WINDCHIME WAY, FREEPORT, FL 32439-2290
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 WINDCHIME WAY, FREEPORT, FL 32439-2290

Mortgage

Document Number	0032141584
Date	Sep 1, 2021
Book Page	3214/1584
Instrument	20210043884

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 29, 2019
Property Address	456 WINDCHIME WAY, FREEPORT, FL 32439-2290
Document Number	0031162145
Book / Page	003116 / 002145
Instrument Date	Aug 16, 2019
Instrument	29780
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,271.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	456 WINDCHIME WAY FREEPORT FL 324392290, FREEPORT, FL 32439-2290

Mortgage

Document Number	31162146
Date	Aug 29, 2019
Book Page	003116/002146
Instrument	29781

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2049

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$388,991 (-1.82%) Land $52,815 Building $336,176	$388,991 (-1.82%) Land $52,815 Building $336,176
2024	$3,127.00 (+3.75%) Homeowner's exemption	$396,213 (+3.2%) Land $52,815 Building $343,398	$396,213 (+3.2%) Land $52,815 Building $343,398
2023	$3,014.00 (+5.64%) Homeowner's exemption	$383,933 (+8.95%) Land $40,535 Building $343,398	$383,933 (+8.95%) Land $40,535 Building $343,398
2022	$2,853.00 Homeowner's exemption	$352,391 Land $44,994 Building $307,397	$352,391 Land $44,994 Building $307,397

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 456 Windchime Way in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 456 Windchime Way is moderate, ranking above 43% of the US, with a 0.05% annual chance of 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

Nearby Properties on Windchime Way

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