Walton County property record for 49 Harmony Way, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,142 sqft · built 2012 |
| Lot Size | 0.36 acres (15,693 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Aug 2023) |
| Tax Bill | $7,767 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-1S-19-23020-000-0020 |
| Primary APN | 17-1S-19-23020-000-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,142 sqft Living Area |
| Gross Area | 3,820 sqft |
| 1st Floor Area | 2,262 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,693 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 49 HARMONY WAY |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HAMBAY |
| Legal Description | LOT 2 HARMONY AT HAMMOCK BAY PB 16-87 OR 2740-482 OR 2860-1194 OR 2872-3965 OR 2887-3721 OR 3204-4482 OR 3298-4529 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 17 |
| Legal Subdivision | HAMMOCK BAY |
| Legal Lot Number | 2 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950502 |
Source: Walton County records, as of October 12, 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 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 14, 2023 | Warranty Deed, Transfer BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Jun 30, 2021 | Warranty Deed, Transfer BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Jul 31, 2017 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jun 26, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2023 · Amount on Record |
| Deed Sale | Aug 14, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2021 · Amount on Record |
| Deed Document Number | 202329105 |
| Deed Book / Page | 3298 / 4529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0031874756 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 3187/4756 |
| Instrument | 20210012546 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0033622774 |
|---|---|
| Date | Jun 25, 2025 |
| Book Page | 3362/2774 |
| Instrument | 20250022231 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 217 Months |
| Due | Jul 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 14, 2023 |
| Property Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0032984529 |
| Book / Page | 3298 / 4529 |
| Map Reference | MB 16 PG 87&87A |
| Instrument Date | Aug 10, 2023 |
| Instrument | 20230029105 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,990.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 949 W CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4708 |
| Name | Verified Name |
|---|---|
| Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 30, 2021 |
| Property Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Document Number | 0032044482 |
| Book / Page | 3204 / 4482 |
| Map Reference | MB 16 PG 87&87A |
| Instrument Date | Jun 29, 2021 |
| Instrument | 20210032715 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 36 WILLIAMS RD, DEFUNIAK SPRINGS, FL 32433-5805 |
| Name | Verified Name |
|---|---|
| Address | 949 W CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4708 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030481401 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 3048/1401 |
| Instrument | 20170024998 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 49 HARMONY WAY, FREEPORT, FL 32439-2579 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0031474062 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 3147/4062 |
| Instrument | 20200022107 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
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 | $7,767.00 (-0.96%) | $565,053 (+2.9%) | $580,378 (+5.69%) Land $110,000 Building $470,378 |
| 2024 | $7,842.00 (-7.33%) Homeowner's exemption | $549,128 (-1.77%) Land $78,750 Building $470,378 | $549,128 (-1.77%) Land $78,750 Building $470,378 |
| 2023 | $8,462.00 (+10.38%) | $559,008 (+9.93%) Land $78,750 Building $480,258 | $559,008 (+9.93%) Land $78,750 Building $480,258 |
| 2022 | $7,666.00 | $508,513 Land $87,412 Building $421,101 | $508,513 Land $87,412 Building $421,101 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 |
| 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.
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 |
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