520 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 520 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,397 sqft · built 2016
Lot Size	0.374 acres (16,333 sqft)
Owner	2 Individual Names on File
Last Sale	$327,000 (Aug 2020)
Tax Bill	$3,058 (2024)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0040`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0040`
Alternative APN	`1028270`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,397 sqft Living Area
Gross Area	3,011 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,333 sqft (0.374 acres)
Garage Type	Finished
Garage Area	418 sqft
Porch	Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028270
Street Address	520 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-2299
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 4 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 3016-1118 OR 3154-4547
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	WHISPERS AT HAMMOCK BAY
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

520 Windchime Way is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 WINDCHIME WAY, FREEPORT, FL 32439-2299
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Jul 25, 2016 · Amount on File
Deed Document Number	20200030241
Deed Book / Page	3154 / 4547
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 13, 2020
Property Address	520 WINDCHIME WAY, FREEPORT, FL 32439-2299
Document Number	0031544547
Book / Page	003154 / 004547
Instrument Date	Aug 11, 2020
Instrument	30241
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	RODGERS-KIEFER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,289.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4524 GOLF VILLA CT #302 DESTIN FL 325410725, 302, DESTIN, FL 32541-0725

Mortgage

Document Number	31544549
Date	Aug 13, 2020
Book Page	003154/004549
Instrument	30242

Lender

Name	PERFALL A CLAYTON TRUST (RT)
Address	122 S FAIRFAX ST, ALEXANDRIA, VA 22314-3302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$391,642 Land $52,815 Building $338,827	$391,642 Land $52,815 Building $338,827
2024	$3,058.00 (+3.77%)
2023	$2,947.00 (+5.4%) Homeowner's exemption	$382,809 (+10.91%) Land $40,535 Building $342,274	$382,809 (+10.91%) Land $40,535 Building $342,274
2022	$2,796.00 Homeowner's exemption	$345,147 Land $44,994 Building $300,153	$345,147 Land $44,994 Building $300,153

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

Flood

FEMA maps place 520 Windchime Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 520 Windchime Way is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% 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.

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 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