551 Windchime Way, Freeport, FL 32439 Property Records

Walton County property record for 551 Windchime Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,531 sqft · built 2016
Lot Size	0.234 acres (10,186 sqft)
Owner	2 Individual Names on File
Last Sale	$419,900 (Mar 2021)
Tax Bill	$4,668 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23080-000-0800`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23080-000-0800`
Alternative APNs	`17-119-23080-000-0800` `1028347`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,531 sqft Living Area
Gross Area	3,197 sqft
1st Floor Area	2,531 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,186 sqft (0.234 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished Screened Porch
Porch Area	270 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	551 WINDCHIME WAY
City	FREEPORT
State	FL
Zip	32439-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 80 WHISPERS AT HAMMOCK BAY S/D PB 17-60 OR 2883-3031 OR 3030-2166 OR 3129-1323 OR 3188-2385
Legal Range	019
Legal Township	01S
Legal Section	17
Legal Subdivision	HAMMOCK BAY
Legal Block	8
Legal Lot Number	80
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2012
Census Tract	950502

Owner

551 Windchime Way is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202
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

Date	Document
Aug 29, 2024	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 19, 2021	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jan 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jan 6, 2017	Grant Deed, Transfer DHI TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on File
Deed Sale	Mar 19, 2021 · Amount on File
Prior Sale	Jan 6, 2017 · Amount on File
Deed Document Number	202113198
Deed Book / Page	3188 / 2385
Prior Transfer Date	Dec 23, 2019
Prior Transfer Doc	0031291323
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202

Mortgage

Document Number	0033342881
Date	Aug 29, 2024
Book Page	3334/2881
Instrument	20240030455

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 9, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 19, 2021
Property Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number	0031882385
Book / Page	3188 / 2385
Map Reference	MB 17 PG 60
Instrument Date	Mar 15, 2021
Instrument	20210013198
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,939.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 WINDCHIME WAY, 551, FREEPORT, FL 32439-3202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 LANAI CT, LOUISVILLE, KY 40245-3976

Mortgage

Document Number	0031882387
Date	Mar 19, 2021
Instrument	3188/2387

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jan 3, 2020
Property Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number	0031291323
Book / Page	3129 / 1323
Map Reference	MB 17 PG 60
Instrument Date	Dec 23, 2019
Instrument	20200000302
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202

Mortgage

Document Number	31291325
Date	Jan 3, 2020
Instrument	3129/1325

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Jan 6, 2017
Property Address	551 WINDCHIME WAY, FREEPORT, FL 32439-3202
Document Number	0030302166
Book / Page	003030 / 002166
Instrument Date	Dec 30, 2016
Instrument	518
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Tax	$2,055.63
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	551 WINDCHIME WAY FREEPORT FL 324393202, FREEPORT, FL 32439-3202

Tax Assessment & Valuation

The 2025 property tax bill for 551 Windchime Way was $4,668 with a homeowner's exemption, down 1.1% from the year before.

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	$4,668.00 (-1.12%) Homeowner's exemption	$408,548	$430,120 Land $63,378 Building $366,742
2024	$4,721.00 (+3.58%)
2023	$4,558.00 (+5.34%) Homeowner's exemption	$413,861 (+10.59%) Land $48,642 Building $365,219	$413,861 (+10.59%) Land $48,642 Building $365,219
2022	$4,327.00 Homeowner's exemption	$374,243 Land $53,993 Building $320,250	$374,243 Land $53,993 Building $320,250

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

Flood

FEMA maps place 551 Windchime Way in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1989.

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 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 551 Windchime Way is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Windchime Way

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