677 Earl Godwin Rd, Freeport, FL 32439 Property Records

Walton County property record for 677 Earl Godwin Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,639 sqft · built 2019
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Jul 2024)
Tax Bill	$2,507 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1S-19-23200-000-0090`

Property Details

APN / Parcel Number

Primary APN	`18-1S-19-23200-000-0090`
Alternative APN	`1030985`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,639 sqft Living Area
Gross Area	2,250 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	12 ft deep x 5.2 ft wide
Garage Type	Finished
Garage Area	386 sqft
Porch	Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1030985
Street Address	677 EARL GODWIN RD
City	FREEPORT
State	FL
Zip	32439-2797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 9 CRESCENT MILL AT HAMMOCK BAY PB 21-16 FKA HORSESHOE BEND AT HAMMOCK BAY PB 18-19 OR 2893-1519 OR 3088-2898 OR 3112-436
Legal Range	19W
Legal Township	01S
Legal Section	18
Legal Subdivision	HORSESHOE BEND AT HAMMOCK BAY
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2065
Census Tract	950502

Owner

677 Earl Godwin Rd is owned and occupied by an individual who bought it in July 2024.

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Jul 11, 2024	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 18, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2024 · Amount on File
Deed Sale	Jul 11, 2024 · Amount on File
Prior Sale	Jul 18, 2019 · Amount on File
Deed Document Number	20240024285
Deed Book / Page	3330 / 923
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797

Mortgage

Document Number	0032781070
Date	Jan 17, 2023
Book Page	3278/1070
Instrument	20230001722

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Feb 7, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797

Mortgage

Document Number	0032043009
Date	Jun 28, 2021
Book Page	3204/3009
Instrument	20210032375

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 11, 2024
Property Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797
Document Number	0033300923
Book / Page	3330 / 923
Map Reference	MB 21 PG 16-18
Instrument Date	Jul 10, 2024
Instrument	20240024285
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 DUBLIN LN, HENDERSONVILLE, NC 28792-8115

Mortgage

Document Number	20240024286
Date	Jul 11, 2024
Instrument	20240024286

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 18, 2019
Property Address	677 EARL GODWIN RD, FREEPORT, FL 32439-2797
Document Number	0031120436
Book / Page	3112 / 0436
Map Reference	MB 21 PG 16-18
Instrument Date	Jul 12, 2019
Instrument	20190024221
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,525.30
Amount Accuracy	Full Amount Stated
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	677 EARL GODWIN RD, FREEPORT, FL 32439-2797

Mortgage

Document Number	0003112437
Date	Jul 18, 2019
Instrument	3112/437

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$289,062 Land $45,000 Building $244,062	$289,062 Land $45,000 Building $244,062
2024	$2,507.00 (+3.9%)
2023	$2,413.00 (+5.46%) Homeowner's exemption	$330,134 (+18.27%) Land $32,457 Building $297,677	$330,134 (+18.27%) Land $32,457 Building $297,677
2022	$2,288.00 Homeowner's exemption	$279,147 Land $36,027 Building $243,120	$279,147 Land $36,027 Building $243,120

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

Flood

FEMA maps place 677 Earl Godwin Rd 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 677 Earl Godwin Rd is moderate, ranking above 54% 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 54% of the US · lower than 74% 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.

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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