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489 Waterview Cove Dr, Freeport, FL 32439 Property Records

Walton County property record for 489 Waterview Cove Dr, Freeport, FL 32439

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,663 sqft · built 2002
Lot Size1.49 acres (64,904 sqft)
Owner2 Individual Names on File
Last Sale$720,000 (Jan 2019)
Tax Bill$3,332 (2024)
Deeds & MortgagesMar 2019 Mortgage
Jan 2019 Sale
Flood ZoneZone VE (high risk)
APN13-1S-20-32000-031-0090

Property Details

APN / Parcel Number

Primary APN13-1S-20-32000-031-0090
Alternative APN
  • 1018462

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,663 sqft Living Area
Gross Area4,443 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2004
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area64,904 sqft (1.49 acres)
Lot Dimensions42 ft deep x 15.5 ft wide
Garage TypeFinished
Garage Area764 sqft

Exterior Amenities

PorchPorch
Porch Area998 sqft
Deck AreaDeck Area
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1018462
Street Address489 WATERVIEW COVE DR
CityFREEPORT
StateFL
Zip32439-2815
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBAYN
Legal DescriptionCOM NORTHERNMOST COR OF LOT 3 WATERVIEW PLACE, N 31 DEG 06' 44 W ALG NLY PROJECTION OF ELY BDRY OF LOT 3 100FT, N 16 DEG
Legal Range20W
Legal Township01S
Legal Section13
Legal SubdivisionWATERVIEW PLACE
Legal Block31
Legal Lot Number3,100F
JurisdictionWALTON FL
Township / Civil DivisionFREEPORT
Census Block Group2
Census Block2083
Census Tract950502

Owner

489 Waterview Cove Dr is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record2 Individual Names on File
Mailing Address489 WATERVIEW COVE DR, FREEPORT, FL 32439-2815
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 12, 2019Deed of Trust, Mortgage · Commercial Mortgage
REGIONS BANK
Jan 11, 2019Warranty Deed, Transfer
BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 11, 2019 · Amount on File
Deed SaleJan 11, 2019 · Amount on File
Deed Document Number20190001025
Deed Book / Page3094 / 3870
Record UpdatedJun 8, 2026

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address489 WATERVIEW COVE DR, FREEPORT, FL 32439-2815
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0030991622
DateMar 12, 2019
Book Page3099/1622
Instrument20190007296
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term359 Months
DueFeb 22, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly
IndexPrime Rate

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJan 11, 2019
Property Address489 WATERVIEW COVE DR, FREEPORT, FL 32439-2815
Document Number0030943870
Book / Page003094 / 003870
Instrument DateJan 9, 2019
Instrument1025
Transaction TypeTransfer
Record UpdatedJan 29, 2019
Title CompanyBRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

AmountAmount on Record
Tax$5,040.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address235 N ANCHORS LAKE DR SANTA ROSA BEACH FL 324594109, SANTA ROSA BEACH, FL 32459-4109

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$793,847 Land $310,000 Building $483,847$793,847 Land $310,000 Building $483,847
2024$3,332.00 (+3.64%)
2023$3,215.00 (+0.82%) Homeowner's exemption$660,822 (+7.13%) Land $165,431 Building $495,391$660,822 (+7.13%) Land $165,431 Building $495,391
2022$3,189.00 Homeowner's exemption$616,813 Land $183,629 Building $433,184$616,813 Land $183,629 Building $433,184

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

Flood

FEMA maps place 489 Waterview Cove Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 296 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies296 in force
Nearby Flood Claims56 (1989–2020)
Claims Outside the SFHA8 of 56
Most Recent ClaimSep 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 489 Waterview Cove Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNORTH BAY WATER SYSTEM
serves 3,171 people · EPA ID FL1664019
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 87 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 35

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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