Walton County property record for 645 Whitfield Rd, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,807 sqft · built 2025 |
| Lot Size | 4.02 acres (175,111 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,154 (2024) |
| Deeds & Mortgages | Dec 2024 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 13-1S-20-32000-014-0020 |
| Primary APN | 13-1S-20-32000-014-0020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,807 sqft Living Area |
| Gross Area | 4,751 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2025 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tin |
| Lot Area | 175,111 sqft (4.02 acres) |
| Lot Dimensions | 58.5 ft deep x 30 ft wide |
| View / Lot | Water |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 645 WHITFIELD RD |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM NW/C SE1/4 OF NW1/4 SEC 13-1S-20W, E 354.60FT FOR POB, ANGLE RIGHT 86 DEG 49', SLY 315.15FT TO POB; CONT 300.00FT, ANGLE |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 950502 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 645 WHITFIELD RD, FREEPORT, FL 32439-2434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2024 |
| Deed Sale | Dec 17, 2024 |
| Deed Document Number | 20240043562 |
| Deed Book / Page | 3344 / 3929 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 17, 2024 |
| Property Address | 645 WHITFIELD RD, FREEPORT, FL 32439-2434 |
| Document Number | 0033443929 |
| Book / Page | 3344 / 3929 |
| Instrument Date | Dec 13, 2024 |
| Instrument | 20240043562 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15787 331 BUSINESS, FREEPORT, FL 32439-0237 |
| Name | Verified Name |
|---|---|
| Address | 15787 331 BUSINESS, FREEPORT, FL 32439-0237 |
| Document Number | 20240043563 |
|---|---|
| Date | Dec 17, 2024 |
| Instrument | 20240043563 |
| Name | PEOPLES NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 13, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $257,986 Land $257,986 | $257,986 Land $257,986 | |
| 2024 | $2,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 57 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 57 in force |
| Nearby Flood Claims | 115 (1994–2020) |
| Claims Outside the SFHA | 38 of 115 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
5G (outdoors only) and 4G LTE
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