650 Don Graff Rd, Freeport, FL 32439 Property Records

Walton County property record for 650 Don Graff Rd, Freeport, FL 32439 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,936 sqft · built 2024
Lot Size	4.42 acres (192,927 sqft)
Owner	2 Individual Names on File
Last Sale	$51,500 (Nov 2006)
Tax Bill	$617 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1S-18-14000-002-0600`

Property Details

APN / Parcel Number

Primary APN	`10-1S-18-14000-002-0600`
Alternative APN	`1013890`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,936 sqft Living Area
Gross Area	4,206 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	192,927 sqft (4.42 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1013890
Street Address	650 DON GRAFF RD
City	FREEPORT
State	FL
Zip	32439-3356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 WHITE PINES ESTATES UNR COM SE/C SEC 10, N 00 DEG 46' 05E 2125.83FT TO CENTERLINE DON GRAFF RD N 78 DEG 43'34W ALG
Legal Range	18W
Legal Township	01S
Legal Section	10
Legal Subdivision	WHITE PINES ESTATES
Legal Block	2
Legal Lot Number	16
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2071
Census Tract	950501

Owner

Source: Walton County records · APN 10-1S-18-14000-002-0600

Assessment roll updated July 1, 2025 · Last verified December 2025

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 File
Mailing Address	650 DON GRAFF RD, FREEPORT, FL 32439-3356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · Closed-End Mortgage PEOPLES NATIONAL BANK
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit PNB CMNTY BK
Mar 02, 2018	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2006 · Amount on Record
Deed Sale	Nov 15, 2006 · Amount on Record
Deed Document Number	0027412455
Last Transfer Date	Mar 02, 2018
Transfer Doc	0030670196
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	650 DON GRAFF RD, FREEPORT, FL 32439-3356
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 DON GRAFF RD, FREEPORT, FL 32439-3356

Mortgage

Document Number	0032931946
Date	Jun 22, 2023
Book Page	3293/1946
Instrument	20230022163

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Aug 14, 2028

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	650 DON GRAFF RD, FREEPORT, FL 32439-3356
Document Number	0031593365
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	650 DON GRAFF RD FREEPORT FL 324393356, FREEPORT, FL 32439-3356

Mortgage

Document Number	0031593365
Date	Sep 15, 2020
Book Page	003159/003365
Instrument	35909

Lender

Name	PNB CMNTY BK
Address	NICEVILLE, FL 32578

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 14, 2025

Interest

Rate Type	Adjustable Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 02, 2018
Property Address	650 DON GRAFF RD, FREEPORT, FL 32439-3356
Document Number	0030670196
Book / Page	003067 / 000196
Instrument Date	Feb 28, 2018
Instrument	6923
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$252.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1055 SUNSHINE LN PENSACOLA FL 325141675, PENSACOLA, FL 32514-1675

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$541,604 (+363.2%) Land $116,926 Building $424,678	$541,604 (+363.2%) Land $116,926 Building $424,678
2024	$617.00 (+2.49%)	$116,926 (-) Land $116,926	$116,926 (-) Land $116,926
2023	$602.00 (+177.42%)	$116,926 (+327.44%) Land $116,926	$116,926 (+327.44%) Land $116,926
2022	$217.00	$27,355 Land $27,355	$27,355 Land $27,355

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319505012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 38 individual NFIP policies nearby
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 Storm	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 claims

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 575 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wildstar Networks	Fixed Wireless	200 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Cox Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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