491 Earl Godwin Rd, Freeport, FL 32439 Property Records

Walton County property record for 491 Earl Godwin Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 2019
Lot Size	0.201 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$210,900 (Oct 2019)
Tax Bill	$3,155 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23200-000-0360`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23200-000-0360`
Alternative APN	`1031012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,430 sqft Living Area
Gross Area	2,027 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.201 acres)
Lot Dimensions	13.5 ft deep x 7.9 ft wide
Garage Type	Finished
Garage Area	389 sqft
Porch	Porch
Porch Area	40 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1031012
Street Address	491 EARL GODWIN RD
City	FREEPORT
State	FL
Zip	32439-2765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 36 CRESCENT MILL AT HAMMOCK BAY PB 21-16 FKA HORSESHOE BEND AT HAMMOCK BAY PB 18-19 OR 2893-1519 OR 3088-2898 OR
Legal Range	19W
Legal Township	01S
Legal Section	18
Legal Subdivision	HORSESHOE BEND AT HAMMOCK BAY
Legal Lot Number	36
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2027
Census Tract	950502

Owner

491 Earl Godwin Rd is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	491 EARL GODWIN RD, FREEPORT, FL 32439-2765
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 4, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 17, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Deed Document Number	20190036248
Deed Book / Page	3121 / 1768
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	491 EARL GODWIN RD, FREEPORT, FL 32439-2765
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 EARL GODWIN RD, FREEPORT, FL 32439-2765

Mortgage

Document Number	0032372562
Date	Feb 4, 2022
Book Page	3237/2562
Instrument	20220005425

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 17, 2019
Property Address	491 EARL GODWIN RD, FREEPORT, FL 32439-2765
Document Number	0031211768
Book / Page	3121 / 1768
Map Reference	MB 21 PG 16-18
Instrument Date	Oct 15, 2019
Instrument	20190036248
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,476.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 EARL GODWIN RD, FREEPORT, FL 32439-2765

Mortgage

Document Number	0031211769
Date	Oct 17, 2019
Instrument	3121/1769

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$256,799 Land $45,000 Building $211,799	$256,799 Land $45,000 Building $211,799
2024	$3,155.00 (-1.62%)
2023	$3,207.00 (+14.41%)	$290,695 (+17.69%) Land $32,457 Building $258,238	$290,695 (+17.69%) Land $32,457 Building $258,238
2022	$2,803.00	$246,991 Land $36,027 Building $210,964	$246,991 Land $36,027 Building $210,964

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

Flood

FEMA maps place 491 Earl Godwin Rd in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1989.

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 File 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

Wildfire risk around 491 Earl Godwin Rd is moderate, ranking above 61% 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 Risk	Moderate above 61% of the US · lower than 64% 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.

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 271 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

May also be available: AT&T, Cox Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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