646 Earl Godwin Rd, Freeport, FL 32439 Property Records

Walton County property record for 646 Earl Godwin Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,079 sqft · built 2020
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,798 (Aug 2020)
Tax Bill	$2,903 (2025)
Deeds & Mortgages	Jun 2026 Sale Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23213-000-0050`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23213-000-0050`
Alternative APN	`18-119-23213-000-0050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,079 sqft Living Area
Gross Area	2,900 sqft
1st Floor Area	2,079 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	119 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	459 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	646 EARL GODWIN RD
City	FREEPORT
State	FL
Zip	32439-2761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 MILL COTTAGES AT HAMMOCK BAY PB 22-44 OR 3135-4013 OR 3156-3942
Legal Range	019
Legal Township	01S
Legal Section	18
Legal Subdivision	HAMMOCK BAY
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2027
Census Tract	950502

Owner

Source: Walton County records, as of June 22, 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	646 EARL GODWIN RD, FREEPORT, FL 32439-2761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Feb 18, 2021	Deed of Trust, Mortgage · Closed-End Mortgage KEY BANK NA
Aug 26, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2020 · Amount on Record
Deed Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	202032421
Deed Book / Page	3156 / 3942
Last Transfer Date	May 1, 2026
Transfer Doc	0000023209
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 5, 2026
Property Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761
Document Number	0000023209
Book / Page	3401 / 736
Instrument Date	May 1, 2026
Instrument	202623209
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761

Mortgage

Document Number	0032190213
Date	Oct 4, 2021
Book Page	3219/213
Instrument	20210049451

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761

Mortgage

Document Number	0031833715
Date	Feb 18, 2021
Book Page	3183/3715
Instrument	20210007746

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jan 25, 2031

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 26, 2020
Property Address	646 EARL GODWIN RD, FREEPORT, FL 32439-2761
Document Number	0031563942
Book / Page	3156 / 3942
Map Reference	MB 22 PG 44-47
Instrument Date	Aug 21, 2020
Instrument	20200032421
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,798.30
Amount Accuracy	Rounded by County
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	61 FERNCLIFF DR, WEST HARTFORD, CT 06117-1013

Mortgage

Document Number	0031563943
Date	Aug 26, 2020
Instrument	3156/3943

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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	$2,903.00 (-0.96%) Homeowner's exemption	$267,709 (-20.01%)	$332,371 (-0.69%) Land $50,000 Building $282,371
2024	$2,931.00 (+3.79%)
2023	$2,824.00 (+5.41%) Homeowner's exemption	$334,685 (+9.62%) Land $49,485 Building $285,200	$334,685 (+9.62%) Land $49,485 Building $285,200
2022	$2,679.00 Homeowner's exemption	$305,303 Land $54,928 Building $250,375	$305,303 Land $54,928 Building $250,375

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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