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  5. Windchime Way

525 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 525 Windchime Way, Freeport, FL 32439

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,826 sqft · built 2021
Lot Size0.254 acres (11,082 sqft)
Owner2 Individual Names on File
Last Sale$435,000 (Jul 2026)
Tax Bill$3,868 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Oct 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN17-1S-19-23080-000-0810

Property Details

APN / Parcel Number

Primary APN17-1S-19-23080-000-0810
Alternative APNs
  • 17-119-23080-000-0810
  • 1028348

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,826 sqft Living Area
Gross Area2,546 sqft
1st Floor Area1,826 sqft
FlooringWood

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,082 sqft (0.254 acres)
Garage TypeAttached
Garage Area525 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address525 WINDCHIME WAY
CityFREEPORT
StateFL
Zip32439-3202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHAMBAY
Legal DescriptionLOT 81 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2738-2188 OR 2801-4012 OR 3004-1300 OR 3120-1736 OR 3222-514
Legal Range019
Legal Township01S
Legal Section17
Legal SubdivisionHAMMOCK BAY
Legal Block8
Legal Lot Number81
JurisdictionWALTON FL
Township / Civil DivisionFREEPORT
Census Block Group2
Census Block2012
Census Tract950502

Owner

Source: Walton County records · APN 17-1S-19-23080-000-0810

Assessment roll updated December 3, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 02, 2026Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE
Oct 25, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Oct 07, 2019Grant Deed, Transfer
HB TITLE INC
Oct 07, 2019Loan Modification, Mortgage
FIFTH THIRD BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 02, 2026 · Amount on Record
Deed SaleJul 02, 2026 · Amount on Record
Prior SaleOct 25, 2021 · Amount on Record
Deed Document Number202627492
Deed Book / Page3404 / 2610
Prior Transfer DateSep 12, 2008
Prior Transfer Doc0028014012
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJul 02, 2026
Property Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number0000027492
Book / Page3404 / 2610
Instrument DateJun 30, 2026
Instrument202627492
Transaction TypeTransfer
Record UpdatedJul 21, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$307,545.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202
InvestorPossibly a Property Investor

Mortgage

Document Number0000027493,
DateJul 02, 2026
Instrument202627493
Lender
NameCROSSCOUNTRY MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.51%
Max Rate-1%

October 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateOct 25, 2021
Property Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number0032220514
Book / Page3222 / 514
Map ReferenceMB 17 PG 60,60A&60B
Instrument DateOct 22, 2021
Instrument20210053057
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 21, 2023
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,498.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2293 W EAU GARLIE BLVD, MELBOURNE, FL 32935

Transferred To (Grantee/Buyer)

NameVerified Name
Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202

Mortgage

Document Number0003222516
DateOct 25, 2021
Instrument3222/516
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

October 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionWALTON FL
Recording DateOct 07, 2019
Property Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number0031201736
Book / Page003120 / 001736
Instrument DateOct 04, 2019
Instrument34871
Transaction TypeTransfer
Record UpdatedOct 23, 2019
Title CompanyHB TITLE INC

Transaction

AmountAmount Recorded
Tax$4,200.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWALTON FL
Recording DateOct 07, 2019
Property Address525 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number0031201738
Book / Page003120 / 001738
Instrument DateOct 04, 2019
Instrument34872
Transaction TypeMortgage
Record UpdatedOct 28, 2019
Title CompanyHB TITLE INC

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number31201738
DateOct 07, 2019
Book Page003120/001738
Instrument34872
Lender
NameFIFTH THIRD BK
TypeBank
Address199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
MunicipalityFreeport City
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,868.00 (-4.19%) Homeowner's exemption Veteran's exemption$349,737 (+4.4%) Land $63,378 Building $286,359$349,737 (+4.4%) Land $63,378 Building $286,359
2024$4,037.00 (-7.83%)
2023$4,380.00 (+29.47%)$335,001 (+9.72%) Land $48,642 Building $286,359$335,001 (+9.72%) Land $48,642 Building $286,359
2022$3,383.00 Homeowner's exemption$305,324 Land $53,993 Building $251,331$305,324 Land $53,993 Building $251,331

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 296 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies296 in force
Nearby Flood Claims56 (1989–2020)
Claims Outside the SFHA8 of 56
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 12 claims
  • Hurricane Frances, Sep 2004 · 18 claims
  • Hurricane Opal, Oct 1995 · 13 claims

Wildfire

Wildfire RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber		1,000 / 1,000
Wildstar Networks
Fixed Wireless		200 / 50

Based on FCC filings for 266 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTH BAY WATER SYSTEM
serves 3,171 people
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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