62 Spruce St, Freeport, FL 32439 Property Records

Walton County property record for 62 Spruce St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,236 sqft · built 2022
Lot Size	0.257 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Feb 2023)
Tax Bill	$2,101 (2024)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41010-002-0070`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41010-002-0070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,236 sqft Living Area
Gross Area	2,972 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Lot Dimensions	15 ft deep x 7.5 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	62 SPRUCE ST
City	FREEPORT
State	FL
Zip	32439-6699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 2 CHEROKEE S/D PB 2-72 OR 2896-2323 OR 3097-528 OR 3135-3438 OR 3184-2489 OR 3281-942
Legal Range	21W
Legal Township	01S
Legal Section	28
Legal Subdivision	CHEROKEE S/D
Legal Block	2
Legal Lot Number	7
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1028
Census Tract	950306

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	62 SPRUCE ST, FREEPORT, FL 32439-6699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Warranty Deed, Transfer · VA Mortgage UNIVERSITY BANK
Feb 24, 2021	Warranty Deed, Transfer PANHANDLE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2023 · Amount on Record
Deed Sale	Feb 22, 2023 · Amount on Record
Prior Sale	Feb 24, 2021 · Amount on Record
Deed Document Number	20230006044
Deed Book / Page	3281 / 942
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 22, 2023
Property Address	62 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0032810942
Book / Page	3281 / 942
Map Reference	MB 2 PG 72&73
Instrument Date	Feb 15, 2023
Instrument	20230006044
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 583, NICEVILLE, FL 32588-0583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 SPRUCE ST, FREEPORT, FL 32439-6699

Mortgage

Document Number	0003281944
Date	Feb 22, 2023
Instrument	3281/944

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 24, 2021
Property Address	62 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0031842489
Book / Page	3184 / 2489
Map Reference	MB 2 PG 72&73
Instrument Date	Feb 17, 2021
Instrument	20210008640
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$186.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 583, NICEVILLE, FL 32588-0583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5148, NICEVILLE, FL 32578-5148

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$336,638 (-9.33%) Land $46,875 Building $289,763	$336,638 (-9.33%) Land $46,875 Building $289,763
2024	$2,101.00 (-33.26%)
2023	$3,148.00 (+839.7%)	$371,276 (+845.47%) Land $46,875 Building $324,401	$371,276 (+845.47%) Land $46,875 Building $324,401
2022	$335.00	$39,269 Land $39,269	$39,269 Land $39,269

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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	LAKE SHARON ESTATES private · serves 160 people · EPA ID FL1660407
Water Source	Groundwater
Last State Inspection	Jul 2025
Also Mapped Here	NORTH BAY WATER SYSTEM
Lead	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Spectrum.

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