643 Earl Godwin Rd, Freeport, FL 32439 Property Records

Walton County property record for 643 Earl Godwin Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,639 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jun 2021)
Tax Bill	$3,482 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23200-000-0170`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23200-000-0170`
Alternative APN	`1030993`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,639 sqft Living Area
Gross Area	2,250 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	12 ft deep x 5.5 ft wide
Garage Type	Finished
Garage Area	386 sqft
Porch	Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1030993
Street Address	643 EARL GODWIN RD
City	FREEPORT
State	FL
Zip	32439-2797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 17 CRESCENT MILL AT HAMMOCK BAY PB 21-16 FKA HORSESHOE BEND AT HAMMOCK BAY PB 18-19 OR 2893-1519 OR 3088-2898 OR 3110-51
Legal Range	19W
Legal Township	01S
Legal Section	18
Legal Subdivision	HORSESHOE BEND AT HAMMOCK BAY
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2065
Census Tract	950502

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	3 CORBIN CT, NICEVILLE, FL 32578-3262
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Warranty Deed, Transfer · VA Mortgage HOMETOWN LENDERS INC
Mar 11, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Jun 28, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2021 · Amount on Record
Deed Sale	Jun 9, 2021 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	20210029067
Deed Book / Page	3201 / 4353
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 9, 2021
Property Address	643 EARL GODWIN RD, FREEPORT, FL 32439-2797
Document Number	0032014353
Book / Page	3201 / 4353
Map Reference	MB 21 PG 16-18
Instrument Date	Jun 2, 2021
Instrument	20210029067
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	643 EARL GODWIN RD, FREEPORT, FL 32439-2797

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CORBIN CT, NICEVILLE, FL 32578-3262

Mortgage

Document Number	0032014355
Date	Jun 9, 2021
Instrument	3201/4355

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	643 EARL GODWIN RD, FREEPORT, FL 32439-2797
Document Number	0031393751
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	643 EARL GODWIN RD FREEPORT FL 324392797, FREEPORT, FL 32439-2797

Mortgage

Document Number	0031393751
Date	Apr 15, 2020
Book Page	003139/003751
Instrument	13077

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 28, 2019
Property Address	643 EARL GODWIN RD, FREEPORT, FL 32439-2797
Document Number	0031100051
Book / Page	3110 / 0051
Map Reference	MB 21 PG 16-18
Instrument Date	Jun 20, 2019
Instrument	20190021569
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,493.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 EARL GODWIN RD, FREEPORT, FL 32439-2797

Mortgage

Document Number	0000311052
Date	Jun 28, 2019
Instrument	3110/52

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$282,887 (-12.31%) Land $45,000 Building $237,887	$282,887 (-12.31%) Land $45,000 Building $237,887
2024	$3,482.00 (-14.8%)
2023	$4,087.00 (+14.71%)	$322,593 (+18.17%) Land $32,457 Building $290,136	$322,593 (+18.17%) Land $32,457 Building $290,136
2022	$3,563.00	$272,987 Land $36,027 Building $236,960	$272,987 Land $36,027 Building $236,960

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 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

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.

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 109 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

May also be available: Verizon.

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