471 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 471 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,456 sqft · built 2009
Lot Size	0.222 acres (9,654 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Aug 2025)
Tax Bill	$2,687 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1190`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1190`
Alternative APNs	`16-119-23020-000-1190` `1025933`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,456 sqft Living Area
Gross Area	3,196 sqft
1st Floor Area	2,456 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,654 sqft (0.222 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	471 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2478
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 119 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2715-4455 OR 2827-828 OR 3366-2868
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	11
Legal Lot Number	119
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2006
Census Tract	950502

Owner

Source: Walton County records, as of April 21, 2026

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	471 SYMPHONY WAY, FREEPORT, FL 32439-2478
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2025	Warranty Deed, Transfer · Closed-End Mortgage FIRST NATIONAL BANK OF DECATUR COUN
Oct 8, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on Record
Deed Sale	Aug 1, 2025 · Amount on Record
Prior Sale	Oct 5, 2009 · Amount on Record
Deed Document Number	202527418
Deed Book / Page	3366 / 2868
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 1, 2025
Property Address	471 SYMPHONY WAY, FREEPORT, FL 32439-2478
Document Number	0033662868
Book / Page	3366 / 2868
Map Reference	MB 17 PG 27&27A-27D
Instrument Date	Aug 1, 2025
Instrument	20250027418
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1364 NORTHRIDGE DR, BOUNTIFUL, UT 84010-1749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 SYMPHONY WAY, FREEPORT, FL 32439-2478

Mortgage

Document Number	0033662870
Date	Aug 1, 2025
Instrument	3366/2870

Lender

Name	FIRST NATIONAL BANK OF DECATUR COUN
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Oct 1, 2030

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	471 SYMPHONY WAY, FREEPORT, FL 32439-2478
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 SYMPHONY WAY, FREEPORT, FL 32439-2478

Mortgage

Document Number	0031631751
Date	Oct 8, 2020
Book Page	3163/1751
Instrument	20200039852

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$2,687.00 (-0.26%)	$187,442 (-58.22%)	$404,534 (-9.84%) Land $96,900 Building $307,634
2024	$2,694.00 (+4.34%)
2023	$2,582.00 (+3.86%) Homeowner's exemption	$448,682 (+14.46%) Land $96,900 Building $351,782	$448,682 (+14.46%) Land $96,900 Building $351,782
2022	$2,486.00 Homeowner's exemption	$391,984 Land $76,923 Building $315,061	$391,984 Land $76,923 Building $315,061

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 88 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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