652 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 652 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,577 sqft · built 2012
Lot Size	0.241 acres (10,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Apr 2022)
Tax Bill	$4,604 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1790`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1790`
Alternative APNs	`16-119-23020-000-1790` `1025993`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,577 sqft Living Area
Gross Area	3,061 sqft
1st Floor Area	2,377 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,503 sqft (0.241 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Slab
Porch Area	20 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	652 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2490
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 179 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2710-3092 OR 2870-915 OR 2870-1793 OR 2875-3869 OR 2892-780 OR 3067-453 OR 3248-3311
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	17
Legal Lot Number	1790
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

Source: Walton County records, as of July 20, 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	82 MARINA COVE DR, NICEVILLE, FL 32578-4425
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 5, 2018	Grant Deed LIGHTHOUSE LAND TITLE COMPANY
Nov 28, 2017	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2022 · Amount on Record
Deed Sale	Apr 19, 2022 · Amount on Record
Prior Sale	Nov 28, 2017 · Amount on Record
Deed Document Number	202218483
Deed Book / Page	3248 / 3311
Prior Transfer Date	Jul 22, 2011
Prior Transfer Doc	0028701793
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 19, 2022
Property Address	652 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0032483311
Book / Page	3248 / 3311
Map Reference	MB 17 PG 27
Instrument Date	Apr 14, 2022
Instrument	20220018483
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	625 SYMPHONY WAY, FREEPORT, FL 32439-2480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 MARINA COVE DR, NICEVILLE, FL 32578-4425

Mortgage

Document Number	0032483313
Date	Apr 19, 2022
Instrument	3248/3313

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	652 SYMPHONY WAY, FREEPORT, FL 32439-2490
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030310342
Date	Jan 17, 2017
Book Page	3031/0342
Instrument	20170001384

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 28, 2036

March 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Mar 5, 2018
Property Address	652 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0030670453
Book / Page	003067 / 000453
Instrument Date	Feb 28, 2018
Instrument	7014
Record Updated	Mar 19, 2018
Title Company	LIGHTHOUSE LAND TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	652 SYMPHONY WAY FREEPORT FL 324392490, FREEPORT, FL 32439-2490

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 28, 2017
Property Address	652 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0030581909
Book / Page	3058 / 1909
Map Reference	MB17 PG27
Instrument Date	Nov 17, 2017
Instrument	2017000038934
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	LIGHTHOUSE LAND TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1780, EGLIN AFB, FL 32542-0780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 SYMPHONY WAY, FREEPORT, FL 32439-2490

Mortgage

Document Number	2017000038935
Date	Nov 28, 2017
Instrument	2017000038935

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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	$4,604.00 (-0.97%)	$391,404 (-12.59%)	$410,293 (-8.37%) Land $80,750 Building $329,543
2024	$4,649.00 (+0.17%)
2023	$4,641.00 (+67.3%) Homeowner's exemption	$447,770 (+16.82%) Land $80,750 Building $367,020	$447,770 (+16.82%) Land $80,750 Building $367,020
2022	$2,774.00 Homeowner's exemption	$383,301 Land $64,102 Building $319,199	$383,301 Land $64,102 Building $319,199

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: CenturyLink.

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