514 Meadow Lake Dr, Freeport, FL 32439 Property Records

Walton County property record for 514 Meadow Lake Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,445 sqft · built 2019
Lot Size	0.179 acres (7,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$526,500 (Jan 2022)
Tax Bill	$5,910 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Feb 2021 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23121-000-0510`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23121-000-0510`
Alternative APNs	`17-119-23121-000-0510` `1085213`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,445 sqft Living Area
Gross Area	3,232 sqft
1st Floor Area	2,445 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,810 sqft (0.179 acres)
Lot Width	65 ft Width
Garage Type	Attached
Garage Area	517 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	514 MEADOW LAKE DR
City	FREEPORT
State	FL
Zip	32439-2357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 51 MEADOWS AT HAMMOCK BAY PHASE 2 PB 20-01 OR 3035-1870 OR 3142-913 OR 3142-915 OR 3181-4246 OR 3236-1307
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY PHASE 2
Legal Phase	2
Legal Block	5
Legal Lot Number	51
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	328 COUNTRY SIDE CIR, CALERA, AL 35040-5650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST
Feb 4, 2021	Warranty Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
May 7, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
May 7, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PROGRESS BANK & TRUST
Mar 28, 2019	Deed of Trust, Mortgage UNITED BK
Mar 3, 2017	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Feb 4, 2021 · Amount on Record
Deed Document Number	20224011
Deed Book / Page	3236 / 1307
Prior Transfer Date	May 7, 2020
Prior Transfer Doc	0031420913
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 27, 2022
Property Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357
Document Number	0032361307
Book / Page	3236 / 1307
Map Reference	MB 20 PG 1
Instrument Date	Jan 20, 2022
Instrument	20220004011
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ELIM TITLE LLC, RELI TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,685.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	422 BRIGHTON CV, FREEPORT, FL 32439-2343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 COUNTRY SIDE CIR, CALERA, AL 35040-5650

Mortgage

Document Number	0032361309
Date	Jan 27, 2022
Instrument	3236/1309

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

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

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 4, 2021
Property Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357
Document Number	0031814246
Book / Page	3181 / 4246
Map Reference	MB 20 PG 1
Instrument Date	Feb 4, 2021
Instrument	20210005549
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$3,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 TWIN LAKES DR, DEFUNIAK SPRINGS, FL 32433-9025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 7, 2020
Property Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357
Document Number	0031420913
Book / Page	003142 / 000913
Instrument Date	May 7, 2020
Instrument	15632
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	127 PARTIN DR N NICEVILLE FL 325782055, NICEVILLE, FL 32578-2055
Investor	Possibly a Property Investor

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 7, 2020
Property Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357
Document Number	0031420915
Book / Page	3142 / 915
Map Reference	MB 20 PG 1
Instrument Date	May 7, 2020
Instrument	20200015633
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,014.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 PARTIN DR N, 127, NICEVILLE, FL 32578-2055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 388, FREEPORT, FL 32439-0388

Mortgage

Document Number	0003142917
Date	May 7, 2020
Instrument	3142/917

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357
Document Number	0031011724
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	127 PARTIN DR N NICEVILLE FL 325782055, NICEVILLE, FL 32578-2055

Mortgage

Document Number	0031011724
Date	Apr 3, 2019
Book Page	003101/001724
Instrument	10033

Lender

Name	UNITED BK
Type	Bank
Address	ATMORE, AL 36502

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 2, 2039

Interest

Rate Type	Adjustable Rate

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	514 MEADOW LAKE DR, FREEPORT, FL 32439-2357
Document Number	0030351867
Instrument Date	Mar 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	127 PARTIN DR N NICEVILLE FL 325782055, NICEVILLE, FL 32578-2055

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	$5,910.00 (-3.05%) Homeowner's exemption	$507,641 (+0.19%) Land $55,000 Building $452,641	$507,641 (+0.19%) Land $55,000 Building $452,641
2024	$6,096.00 (-8.82%)
2023	$6,686.00 (+13.34%)	$506,683 (+11.15%) Land $49,485 Building $457,198	$506,683 (+11.15%) Land $49,485 Building $457,198
2022	$5,899.00	$455,870 Land $54,928 Building $400,942	$455,870 Land $54,928 Building $400,942

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
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 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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.

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