49 Don Graff Rd, Freeport, FL 32439 Property Records

Walton County property record for 49 Don Graff Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Jun 2022)
Tax Bill	$1,000 (2025)
Deeds & Mortgages	Feb 2023 Construction Loan Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-1S-18-14000-002-0560`

Property Details

APN / Parcel Number

Primary APN	`10-1S-18-14000-002-0560`
Alternative APNs	`10-118-14000-002-0560` `1013886`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	49 DON GRAFF RD
City	FREEPORT
State	FL
Zip	32439-3365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER
Legal Description	COM AT NW/C SEC 10-1S-18W, S 00 DEG 5433W 2294.43FT, S 78 DEG 4318E 243.88FT TO POB; N 00 DEG 5433E 904.62FT, S 78 DEG 4318E 243.88FT, S 00 DEG 54 33W 904.62FT, N 78 DEG 4318 W 243.88FT TO POB.
Legal Range	018
Legal Township	01S
Legal Section	10
Legal Block	205
Legal Lot Number	560
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2056
Census Tract	950501

Owner

Source: Walton County records, as of December 3, 2025

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	3830 PATRICK RD, PANAMA CITY, FL 32409-6605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2023	Deed of Trust, Mortgage · Construction Mortgage PROGRESS BANK & TRUST
Jun 28, 2022	Warranty Deed, Transfer PROGRESS BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	202230140
Deed Book / Page	3258 / 32
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	49 DON GRAFF RD, FREEPORT, FL 32439-3365
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3830 PATRICK RD, SOUTHPORT, FL 32409-6605

Mortgage

Document Number	0032811673
Date	Feb 23, 2023
Book Page	3281/1673
Instrument	20230006249

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Mar 1, 2026
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	11.6%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 28, 2022
Property Address	49 DON GRAFF RD, FREEPORT, FL 32439-3365
Document Number	0032580032
Book / Page	3258 / 32
Instrument Date	Jun 21, 2022
Instrument	20220030140
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7201 JO WILL ST, COLLEYVILLE, TX 76034-6339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3830 PATRICK RD, SOUTHPORT, FL 32409-6605
Investor	Possibly a Property Investor

Mortgage

Document Number	0000325836
Date	Jun 28, 2022
Instrument	3258/36

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

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
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,000.00 (-24.59%) Homeowner's exemption	$158,800 (-) Land $158,400 Building $400	$158,800 (-) Land $158,400 Building $400
2024	$1,326.00 (+0.45%)
2023	$1,320.00 (+430.12%)	$158,800 (+407.64%) Land $158,400 Building $400	$158,800 (+407.64%) Land $158,400 Building $400
2022	$249.00	$31,282 Land $30,882 Building $400	$31,282 Land $30,882 Building $400

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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