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659 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 659 Symphony Way, Freeport, FL 32439

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,695 sqft · built 2016
Lot Size0.297 acres (12,948 sqft)
Owner2 Individual Names on File
Last Sale$275,400 (Oct 2016)
Tax Bill$4,270 (2024)
Deeds & MortgagesDec 2024 Line of Credit
Flood ZoneZone X (minimal risk)
APN16-1S-19-23020-000-2020

Property Details

APN / Parcel Number

Primary APN16-1S-19-23020-000-2020
Alternative APN
  • 1026016

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,695 sqft Living Area
Gross Area3,633 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2016
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,948 sqft (0.297 acres)
Garage TypeFinished
Garage Area418 sqft
PorchPorch
Porch Area520 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1026016
Street Address659 SYMPHONY WAY
CityFREEPORT
StateFL
Zip32439-2480
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHAMBAY
Legal DescriptionLOT 202 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2701-1806 OR 2995-3623 OR 3022-3607
Legal Range19W
Legal Township01S
Legal Section16
Legal SubdivisionSYMPHONY AT HAMMOCK BAY
Legal Lot Number202
JurisdictionWALTON FL
Township / Civil DivisionFREEPORT
Census Block Group2
Census Block2010
Census Tract950502

Owner

659 Symphony Way is owned and occupied by two individuals who bought it in October 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address659 SYMPHONY WAY, FREEPORT, FL 32439-2480
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 7, 2016 · Amount on File
Deed SaleOct 7, 2016 · Amount on File
Deed Document Number2016000032785
Deed Book / Page3022 / 3607
Record UpdatedJun 8, 2026

December 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address659 SYMPHONY WAY, FREEPORT, FL 32439-2480
Transaction TypeMortgage
Record UpdatedDec 18, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address659 SYMPHONY WAY, FREEPORT, FL 32439-2480

Mortgage

Document Number0033434628
DateDec 6, 2024
Book Page3343/4628
Instrument20240042381
Lender
NameEGLIN FCU
TypeCredit Union
AddressFORT WALTON BEACH, FL 32547
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueDec 5, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
MunicipalityFreeport City
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$464,120 Land $96,900 Building $367,220$464,120 Land $96,900 Building $367,220
2024$4,270.00 (+3.72%)
2023$4,117.00 (+4.04%) Homeowner's exemption$501,471 (+16.17%) Land $96,900 Building $404,571$501,471 (+16.17%) Land $96,900 Building $404,571
2022$3,957.00 Homeowner's exemption$431,684 Land $76,923 Building $354,761$431,684 Land $76,923 Building $354,761

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

Flood

FEMA maps place 659 Symphony Way in Zone X, an area of minimal flood risk, though there have been 56 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 296 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies296 in force
Nearby Flood Claims56 (1989–2020)
Claims Outside the SFHA8 of 56
Most Recent ClaimSep 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

Wildfire risk around 659 Symphony Way is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.06% annual chance
ExposureNone
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 SystemNORTH BAY WATER SYSTEM
serves 3,171 people · EPA ID FL1664019
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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