Walton County property record for 49 Cool Breeze Dr, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,778 sqft · built 2022 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $326,000 (Oct 2026) |
| Tax Bill | $3,429 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1S-19-23040-000-2140 |
| Primary APN | 22-1S-19-23040-000-2140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,778 sqft Living Area |
| Gross Area | 2,366 sqft |
| 1st Floor Area | 1,778 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Hardboard |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 138 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 49 COOL BREEZE DR |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4270 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNI |
| Legal Description | LOT 214 RIVERWALK PH I PB 18-13 OR 2785-324 OR 2994-3477 OR 3140-2881 OR 3222-476 OR 3265-1286 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | RIVERWALK PH I |
| Legal Phase | 1 |
| Legal Block | 21 |
| Legal Lot Number | 214 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 950502 |
Source: Walton County records, as of October 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 | 49 COOL BREEZE DR, FREEPORT, FL 32439-4270 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIVE STAR CREDIT UNION |
| Sep 1, 2022 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage OPEN MORTGAGE LLC |
| Jun 18, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF MO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on Record |
| Deed Sale | Oct 1, 2026 · Amount on Record |
| Prior Sale | Sep 1, 2022 · Amount on Record |
| Deed Document Number | 202640697 |
| Deed Book / Page | 3414 / 4539 |
| Prior Transfer Date | Nov 5, 2015 |
| Prior Transfer Doc | 0029943477 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 49 COOL BREEZE DR, FREEPORT, FL 32439-4270 |
| Document Number | 0000040697 |
| Book / Page | 3414 / 4539 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 202640697 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230,482.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 49 COOL BREEZE DR, FREEPORT, FL 32439-4270 |
| Document Number | 0000040698, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 202640698 |
| Name | FIVE STAR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 1, 2022 |
| Property Address | 49 COOL BREEZE DR, FREEPORT, FL 32439-4270 |
| Document Number | 0032651286 |
| Book / Page | 3265 / 1286 |
| Map Reference | MB 18 PG 13&13A-13G |
| Instrument Date | Aug 31, 2022 |
| Instrument | 20220039601 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,970.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3000 GULF BREEZE PKWY, GULF BREEZE, FL 32563-5623 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 49 COOL BREEZE DR, FREEPORT, FL 32439-4270 |
| Document Number | 0032651289 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 3265/1289 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 49 COOL BREEZE DR, FREEPORT, FL 32439-4270 |
| Document Number | 0031480223 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 718 W BUSINESS US HIGHWAY 60 DEXTER MO 638411005, DEXTER, MO 63841-1005 |
| Document Number | 0031480223 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 003148/000223 |
| Instrument | 22376 |
| Name | BANK OF MO |
|---|---|
| Type | Bank |
| Address | CAPE GIRARDEAU, MO 63701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,429.00 (-13.39%) | $267,698 (-9.85%) Land $35,175 Building $232,523 | $267,698 (-9.85%) Land $35,175 Building $232,523 |
| 2024 | $3,959.00 (+0.25%) | ||
| 2023 | $3,949.00 (+692.97%) | $296,961 (+660.58%) Land $35,175 Building $261,786 | $296,961 (+660.58%) Land $35,175 Building $261,786 |
| 2022 | $498.00 | $39,044 Land $39,044 | $39,044 Land $39,044 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 126 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 126 in force |
| Nearby Flood Claims | 68 (1992–2021) |
| Claims Outside the SFHA | 7 of 68 |
| Most Recent Claim | Jun 2021 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Cox Communications Fiber | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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