649 Tournament Ln, Freeport, FL 32439 Property Records

Walton County property record for 649 Tournament Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,566 sqft · built 2022
Lot Size	0.769 acres (33,541 sqft)
Owner	Individual Name on File
Last Sale	$344,800 (Jun 2022)
Tax Bill	$3,420 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Nov 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14050-00G-0090`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14050-00G-0090`
Alternative APN	`1022353`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,566 sqft Living Area
Gross Area	3,436 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.769 acres)
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022353
Street Address	649 TOURNAMENT LN
City	FREEPORT
State	FL
Zip	32439-6263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK G WINDSWEPT ESTATES PH 5 PB 16-73 OR 2682-1110 OR 3123-2821 OR 3168-3603 OR 3254-2712
Legal Range	18W
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 5
Legal Phase	5
Legal Block	G
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2085
Census Tract	950501

Owner

649 Tournament Ln is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	649 TOURNAMENT LN, FREEPORT, FL 32439-6263
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
Jun 2, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage PROGRESS BANK & TRUST
Nov 6, 2020	Loan Modification, Mortgage · Line of Credit AMERIS BK
Nov 12, 2020	Warranty Deed, Transfer NOT AVAILABLE
Nov 7, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	Nov 12, 2020 · Amount on File
Deed Document Number	20220025865
Deed Book / Page	3254 / 2712
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 2, 2022
Property Address	649 TOURNAMENT LN, FREEPORT, FL 32439-6263
Document Number	0032542712
Book / Page	3254 / 2712
Map Reference	MB 16 PG 73-73E
Instrument Date	May 27, 2022
Instrument	20220025865
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2023
Title Company	NOT AVAILABLE, SENTINEL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,413.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29891 WOODROW LN STE 100, 100, SPANISH FORT, AL 36527-8774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 TOURNAMENT LN, FREEPORT, FL 32439-6263

Mortgage

Document Number	0032542714
Date	Jun 2, 2022
Instrument	3254/2714

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	649 TOURNAMENT LN, FREEPORT, FL 32439-6263
Document Number	0031683607
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	0031683607
Date	Nov 12, 2020
Book Page	003168/003607
Instrument	46095

Lender

Name	AMERIS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2020
Property Address	649 TOURNAMENT LN, FREEPORT, FL 32439-6263
Document Number	0031683603
Book / Page	003168 / 003603
Instrument Date	Nov 6, 2020
Instrument	46093
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$377.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29891 WOODROW LN #100 SPANISH FORT AL 365278774, 100, SPANISH FORT, AL 36527-8774
Investor	Possibly a Property Investor

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WALTON FL
Recording Date	Nov 7, 2019
Property Address	649 TOURNAMENT LN, FREEPORT, FL 32439-6263
Document Number	0031232821
Book / Page	003123 / 002821
Instrument Date	Oct 24, 2019
Instrument	39174
Transaction Type	Foreclosure
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$726.60
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	42 BUSINESS CENTRE DR #101 MIRAMAR BEACH FL 325506983, 101, MIRAMAR BEACH, FL 32550-6983

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		$488,928 Land $81,000 Building $407,928	$488,928 Land $81,000 Building $407,928
2024	$3,420.00 (+25.78%)
2023	$2,719.00 (+397.99%) Homeowner's exemption	$447,899 (+509.07%) Land $76,000 Building $371,899	$447,899 (+509.07%) Land $76,000 Building $371,899
2022	$546.00	$73,538 Land $73,538	$73,538 Land $73,538

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

Flood

FEMA maps place 649 Tournament Ln in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1990.

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 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 649 Tournament Ln is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tournament Ln

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