489 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 489 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,385 sqft · built 2020
Lot Size	0.259 acres (11,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,400 (Jan 2021)
Tax Bill	$4,536 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0820`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0820`
Alternative APNs	`17-119-23080-000-0820` `1028349`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,385 sqft Living Area
Gross Area	3,073 sqft
1st Floor Area	2,385 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,284 sqft (0.259 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	489 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2286
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 82 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2738-2209 OR 2801-2860 &-3477 OR 2972-79 OR 3002-4795 OR 3120-1736 OR 3178-1926
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Block	8
Legal Lot Number	82
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2012
Census Tract	950502

Owner

Source: Walton County records, as of June 22, 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	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 12, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jan 12, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Oct 7, 2019	Grant Deed, Transfer HB TITLE INC
Oct 7, 2019	Loan Modification, Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on Record
Deed Sale	Jan 12, 2021 · Amount on Record
Prior Sale	Feb 26, 2016 · Amount on Record
Deed Document Number	20211637
Deed Book / Page	3178 / 1926
Prior Transfer Date	Feb 17, 2015
Prior Transfer Doc	0001312747
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jun 8, 2026
Property Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0000023373
Book / Page	3401 / 1509
Instrument Date	May 21, 2026
Instrument	202623373
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	0000023373,
Date	Jun 8, 2026
Book Page	3401/1509
Instrument	202623373

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2056

Interest

Rate	6.23%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	0032341106
Date	Jan 11, 2022
Book Page	3234/1106
Instrument	20220001557

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 12, 2021
Property Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0031781926
Book / Page	3178 / 1926
Map Reference	MB 17 PG 60,60A&60B
Instrument Date	Jan 11, 2021
Instrument	20210001637
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 9, 2021
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,711.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2285 W EAU GALLIE BLVD, 2285, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	31781928
Date	Jan 12, 2021
Instrument	3178/1928

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 12, 2021
Property Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0031781926
Book / Page	3178 / 1926
Map Reference	MB 17 PG 60,60A&60B
Instrument Date	Jan 11, 2021
Instrument	20210001637
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,711.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2285 W EAU GALLIE BLVD, 2285, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286

Mortgage

Document Number	0031781928
Date	Jan 12, 2021
Instrument	3178/1928

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Oct 7, 2019
Property Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0031201736
Book / Page	003120 / 001736
Instrument Date	Oct 4, 2019
Instrument	34871
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Recording Date	Oct 7, 2019
Property Address	489 WINDCHIME WAY, FREEPORT, FL 32439-2286
Document Number	0031201738
Book / Page	003120 / 001738
Instrument Date	Oct 4, 2019
Instrument	34872
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	HB TITLE INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	31201738
Date	Oct 7, 2019
Book Page	003120/001738
Instrument	34872

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount Recorded

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	$4,536.00 (-1.11%) Homeowner's exemption	$398,006 (-1.21%)	$414,091 (+2.78%) Land $63,378 Building $350,713
2024	$4,587.00 (+3.59%)
2023	$4,428.00 (+5.33%) Homeowner's exemption	$402,879 (+10.5%) Land $48,642 Building $354,237	$402,879 (+10.5%) Land $48,642 Building $354,237
2022	$4,204.00 Homeowner's exemption	$364,585 Land $53,993 Building $310,592	$364,585 Land $53,993 Building $310,592

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

Nearby Properties on Windchime Way

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