678 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 678 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,201 sqft · built 2012
Lot Size	0.241 acres (10,506 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Aug 2019)
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1770`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1770`
Alternative APNs	`16-119-23020-000-1770` `1025991`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,201 sqft Living Area
Gross Area	2,945 sqft
1st Floor Area	2,201 sqft
Flooring	Tile
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	10,506 sqft (0.241 acres)
Garage Type	Attached
Garage Area	504 sqft
Porch	Finished/Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	678 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 177 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2710-3497 OR 2870-915 OR 2870-1793 OR 2875-3869 OR 2892-845 OR 3062-223 OR 3115-1673
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	17
Legal Lot Number	177
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 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 Record
Mailing Address	678 SYMPHONY WAY, FREEPORT, FL 32439-2490
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Aug 20, 2019	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Jan 2, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	201928436
Deed Book / Page	3115 / 1673
Prior Transfer Date	Jul 22, 2011
Prior Transfer Doc	0028701793
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	678 SYMPHONY WAY, FREEPORT, FL 32439-2490
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 SYMPHONY WAY, FREEPORT, FL 32439-2490

Mortgage

Document Number	0032434141
Date	Mar 18, 2022
Book Page	3243/4141
Instrument	20220012950

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 20, 2019
Property Address	678 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0031151673
Book / Page	3115 / 1673
Map Reference	MB 17 PG 2727A-D
Instrument Date	Aug 16, 2019
Instrument	20190028436
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	678 SYMPHONY WAY, 678, FREEPORT, FL 32439-2490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5429 BLUE DOG RD, PANAMA CITY, FL 32404-6032

Mortgage

Document Number	0031151675
Date	Aug 20, 2019
Instrument	3115/1675

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 2, 2018
Property Address	678 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0030620223
Book / Page	003062 / 000223
Instrument Date	Dec 29, 2017
Instrument	51
Transaction Type	Transfer
Record Updated	Feb 15, 2018
Title Company	AQUA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	678 SYMPHONY WAY FREEPORT FL 324392490, FREEPORT, FL 32439-2490

Mortgage

Document Number	30620225
Date	Jan 2, 2018
Book Page	003062/000225
Instrument	52

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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	$3,075.00 (-0.71%) Homeowner's exemption	$269,365 (-34.57%)	$377,933 (-8.2%) Land $80,750 Building $297,183
2024	$3,097.00 (+4.81%)
2023	$2,955.00 (+5.2%) Homeowner's exemption	$411,710 (+16.21%) Land $80,750 Building $330,960	$411,710 (+16.21%) Land $80,750 Building $330,960
2022	$2,809.00 Homeowner's exemption	$354,273 Land $64,102 Building $290,171	$354,273 Land $64,102 Building $290,171

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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