548 Coastal Breeze Dr, Freeport, FL 32439 Property Records

Walton County property record for 548 Coastal Breeze Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,449 sqft · built 2020
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on Record
Last Sale	$682,500 (Nov 2022)
Tax Bill	$3,903 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14050-00A-0140`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14050-00A-0140`
Alternative APNs	`15-118-14050-00A-0140` `1022265`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,449 sqft Living Area
Gross Area	4,348 sqft
1st Floor Area	3,449 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	79,279 sqft (1.82 acres)
Garage Type	Attached
Garage Area	535 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	548 COASTAL BREEZE DR
City	FREEPORT
State	FL
Zip	32439-6292
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GA
Legal Description	LOT 14 BLK A WINDSWEPT ESTATES PH 5 PB 16-73 OR 2682-696 OR 2860-1194 OR 2880-2794 OR 2984-3368 OR 3005-3952 OR 3128-3832 OR 3134-1797 OR 3162-3434 OR 3273-1870
Legal Range	018
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 5
Legal Phase	5
Legal Block	A
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2071
Census Tract	950501

Owner

Source: Walton County records, as of April 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANKPLUS
Nov 18, 2022	Warranty Deed, Transfer · Conventional Mortgage BANKPLUS
Oct 5, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Feb 25, 2020	Loan Modification, Mortgage FIFTH THIRD BK
Feb 26, 2020	Warranty Deed, Transfer HB TITLE INC
Dec 30, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	202250332
Deed Book / Page	3273 / 1870
Prior Transfer Date	Dec 26, 2019
Prior Transfer Doc	0031283831
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Apr 7, 2026
Property Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Document Number	0000013262
Book / Page	3393 / 2474
Instrument Date	Mar 30, 2026
Instrument	202613262
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292

Mortgage

Document Number	0000013262,
Date	Apr 7, 2026
Book Page	3393/2474
Instrument	202613262

Lender

Name	BANKPLUS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 18, 2022
Property Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Document Number	0032731870
Book / Page	3273 / 1870
Map Reference	MB 16 PG 73
Instrument Date	Nov 7, 2022
Instrument	20220050332
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,777.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292

Mortgage

Document Number	0032731871
Date	Nov 18, 2022
Instrument	3273/1871

Lender

Name	BANKPLUS
Type	Bank

Agreement

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

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 5, 2020
Property Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Document Number	0031623434
Book / Page	3162 / 3434
Map Reference	MB 16 PG 73&73A-73E
Instrument Date	Sep 30, 2020
Instrument	20200039130
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,960.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, 2293, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292

Mortgage

Document Number	0031623436
Date	Oct 5, 2020
Instrument	3162/3436

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Document Number	0031341799
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 25, 2020
Title Company	HB TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	0031341799
Date	Feb 26, 2020
Book Page	003134/001799
Instrument	6875

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 26, 2020
Property Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Document Number	0031341797
Book / Page	003134 / 001797
Instrument Date	Feb 19, 2020
Instrument	6874
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIC BLVD MELBOURNE FL 32935, MELBOURNE, FL 32935

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 30, 2019
Property Address	548 COASTAL BREEZE DR, FREEPORT, FL 32439-6292
Document Number	0031283832
Book / Page	003128 / 003832
Instrument Date	Dec 27, 2019
Instrument	45573
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$343.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1110 MERRIWEATHER LN LEBANON TN 370874662, LEBANON, TN 37087-4662

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,903.00 (+1.69%)	$501,951 (+0.25%)	$553,836 (+10.62%) Land $138,000 Building $415,836
2024	$3,838.00 (+3.62%)
2023	$3,704.00 (+1.62%) Homeowner's exemption	$500,676 (+10.11%) Land $85,200 Building $415,476	$500,676 (+10.11%) Land $85,200 Building $415,476
2022	$3,645.00	$454,706 Land $90,342 Building $364,364	$454,706 Land $90,342 Building $364,364

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 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 59% of the US · lower than 67% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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