470 Cornelia St, Freeport, FL 32439 Property Records

Walton County property record for 470 Cornelia St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,166 sqft · built 2018
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$354,900 (Nov 2018)
Tax Bill	$3,973 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23130-000-0450`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23130-000-0450`
Alternative APN	`1085287`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,166 sqft Living Area
Gross Area	3,972 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	12.9 ft deep x 7.1 ft wide
Garage Type	Finished
Garage Area	420 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1085287
Street Address	470 CORNELIA ST
City	FREEPORT
State	FL
Zip	32439-7639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 45 CENTRAL PARK AT HAMMOCK BAY PHASE 1 PB 19-94 OR 3021-23 OR 3089-1204
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	CENTRAL PK/HAMMOCK BAY PH 1
Legal Phase	1
Legal Lot Number	45
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2027
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	470 CORNELIA ST, FREEPORT, FL 32439-7639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Nov 2, 2018	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 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	2018000036851
Deed Book / Page	3089 / 1204
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	470 CORNELIA ST, FREEPORT, FL 32439-7639
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031223169
Date	Oct 30, 2019
Book Page	3122/3169
Instrument	20190037985

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

November 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 2, 2018
Property Address	470 CORNELIA ST, FREEPORT, FL 32439-7639
Document Number	0030891204
Book / Page	3089 / 1204
Map Reference	MB19 PG94-96
Instrument Date	Oct 31, 2018
Instrument	2018000036851
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE OF FLORIDA INC

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	470 CORNELIA ST, FREEPORT, FL 32439-7639

Mortgage

Document Number	2018000036852
Date	Nov 2, 2018
Instrument	2018000036852

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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		$531,438 (+1.05%) Land $55,000 Building $476,438	$531,438 (+1.05%) Land $55,000 Building $476,438
2024	$3,973.00 (+3.63%)
2023	$3,834.00 (+5.39%) Homeowner's exemption	$525,923 (-3.86%) Land $49,485 Building $476,438	$525,923 (-3.86%) Land $49,485 Building $476,438
2022	$3,638.00 Homeowner's exemption	$547,018 Land $54,928 Building $492,090	$547,018 Land $54,928 Building $492,090

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 A, 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 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.08% 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 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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