46 Hemingway Ln, Freeport, FL 32439 Property Records

Walton County property record for 46 Hemingway Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,977 sqft · built 2014
Lot Size	0.174 acres (7,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jul 2020)
Tax Bill	$4,607 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0040`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0040`
Alternative APN	`1028143`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,977 sqft Living Area
Gross Area	2,663 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,609 sqft (0.174 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Porch
Porch Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028143
Street Address	46 HEMINGWAY LN
City	FREEPORT
State	FL
Zip	32439-2293
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 4 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 2963-2717 OR 3073-2777 OR 3148-4569
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

Source: Walton County records, as of December 17, 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	68 HEMINGWAY LN, FREEPORT, FL 32439-2293
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 19, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
May 14, 2018	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Prior Sale	May 14, 2018 · Amount on Record
Deed Document Number	20200023351
Deed Book / Page	3148 / 4569
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2020
Property Address	46 HEMINGWAY LN, FREEPORT, FL 32439-2293
Document Number	0031484569
Book / Page	003148 / 004569
Instrument Date	Jun 30, 2020
Instrument	23351
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	68 HEMINGWAY LN FREEPORT FL 324392293, FREEPORT, FL 32439-2293

Mortgage

Document Number	31484571
Date	Jul 2, 2020
Book Page	003148/004571
Instrument	23352

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	46 HEMINGWAY LN, FREEPORT, FL 32439-2293
Document Number	0031253705
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HEMINGWAY LN FREEPORT FL 324392293, FREEPORT, FL 32439-2293

Mortgage

Document Number	0031253705
Date	Nov 27, 2019
Book Page	003125/003705
Instrument	41801

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Nov 26, 2046

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 14, 2018
Property Address	46 HEMINGWAY LN, FREEPORT, FL 32439-2293
Document Number	0030732777
Book / Page	003073 / 002777
Instrument Date	May 10, 2018
Instrument	15714
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,869.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HEMINGWAY LN FREEPORT FL 324392293, FREEPORT, FL 32439-2293

Mortgage

Document Number	30732779
Date	May 14, 2018
Book Page	003073/002779
Instrument	15715

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

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		$346,977 (-6.55%) Land $50,000 Building $296,977	$346,977 (-6.55%) Land $50,000 Building $296,977
2024	$4,607.00 (+6.15%)
2023	$4,340.00 (+12.03%)	$371,315 (+10.83%) Land $40,535 Building $330,780	$371,315 (+10.83%) Land $40,535 Building $330,780
2022	$3,874.00	$335,038 Land $44,994 Building $290,044	$335,038 Land $44,994 Building $290,044

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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