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54 Lottie Loop, Freeport, FL 32439 Property Records

Walton County property record for 54 Lottie Loop, Freeport, FL 32439 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,977 sqft Living Area
Lot Size8,668 sqft (0.199 acres)
OccupancyOwner Occupied
Last Sale$397,500 (2026)
Tax Bill$4,227.00 (2025)

Property Details

APN / Parcel Number

Primary APN17-1S-19-23131-000-0500
Alternative APNs
  • 17-119-23131-000-0500
  • 1085294

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,977 sqft Living Area
Gross Area2,642 sqft Gross Area
1st Floor1,977 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureCustom/Decorative Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialBrick Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,668 sqft (0.199 acres)
Depth X Width126 ft x 69 ft Depth x Width
Garage TypeAttached Garage
Garage Area420 sqft Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address54 LOTTIE LOOP
CityFREEPORT
StateFL
Zip32439-2793
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 50 CENTRAL PARK AT HAMMOCK BAY PH 2 PB 20-17 OR 3038-3289 OR 3098-1907 OR 3290-1861
Legal Range019
Legal Township01S
Legal Section17
Legal SubdivisionHAMMOCK BAY PH 2
Legal Phase2
Legal Block5
Legal Lot Number50
JurisdictionWALTON FL
Minor Civil DivisionFREEPORT
Census Blockgroup2
Census Block2050
Census Tract950502

Owner

Source: Walton County records · APN 17-1S-19-23131-000-0500

Assessment roll updated December 3, 2025 · Last verified June 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 Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 03, 2026Warranty Deed, Transfer · Veterans Administration Mortgage
USAA FSB
May 23, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
PENTAGON FCU
Oct 05, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Feb 28, 2019Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 03, 2026 · Amount on Record
Deed SaleMar 03, 2026 · Amount on Record
Prior SaleMay 23, 2023 · Amount on Record
Deed Doc Number20267922
Deed Book / Page3389 / 865
Record RefreshedSep 20, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 03, 2026
Property Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793
Document Number0033890865
Book / Page3389 / 865
Map ReferenceMB 20 PG 17
Instrument DateFeb 27, 2026
Instrument20260007922
Transaction TypeTransfer
Record UpdatedMar 18, 2026
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,782.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4560 COUNTY HIGHWAY 83A W, FREEPORT, FL 32439-2909

Transferred To (Grantee/Buyer)

NameVerified Name
Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793

Mortgage

Document Number0003389867
DateMar 03, 2026
Instrument3389/867
Lender
NameUSAA FSB
TypeBank
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2056

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMay 23, 2023
Property Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793
Document Number0032901861
Book / Page3290 / 1861
Map ReferenceMB 20 PG 17
Instrument DateMay 18, 2023
Instrument20230018197
Transaction TypeTransfer
Record UpdatedJun 13, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,863.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address127 CAMPFIRE CV, FREEPORT, FL 32439-2595

Transferred To (Grantee/Buyer)

NameVerified Name
Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793

Mortgage

Document Number0032901863
DateMay 23, 2023
Instrument3290/1863
Lender
NamePENTAGON FCU
TypeCredit Union
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793
Transaction TypeMortgage
Record UpdatedDec 30, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031623569
DateOct 05, 2020
Book Page3162/3569
Instrument20200039165
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionWALTON FL
Recording DateFeb 28, 2019
Property Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793
Document Number0030981907
Book / Page3098 / 1907
Map ReferenceMB 20 PG 17-18
Instrument DateFeb 22, 2019
Instrument20190006034
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 30, 2021
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,029.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address54 LOTTIE LOOP, FREEPORT, FL 32439-2793

Mortgage

Document Number20190006035
DateFeb 28, 2019
Instrument20190006035
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified June 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$4,227.00 (-13.49%)$373,321 (+1.5%) Land $55,000 Building $318,321$373,321 (+1.5%) Land $55,000 Building $318,321
2024$4,886.00 (+72.16%)
2023$2,838.00 (+5.42%) Homeowner's exemption$367,806 (-4.18%) Land $49,485 Building $318,321$367,806 (-4.18%) Land $49,485 Building $318,321
2022$2,692.00 Homeowner's exemption$383,851 Land $54,928 Building $328,923$383,851 Land $54,928 Building $328,923

Flood & Wildfire

54 Lottie Loop is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Walton County (12131C), updated June 18, 2026

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesModerate
53rd percentile of exposed land nationally · 23rd in Florida
Wildfire LikelihoodModerate — about 1 in 1,266 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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