688 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 688 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,847 sqft · built 2021
Lot Size	0.243 acres (10,587 sqft)
Owner	Individual Name on File
Last Sale	$351,700 (Jan 2022)
Tax Bill	$4,300 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1760`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1760`
Alternative APN	`1025990`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,847 sqft Living Area
Gross Area	2,424 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,587 sqft (0.243 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1025990
Street Address	688 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 176 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2710-2929 OR 2716-2818 OR 3234-4036
Legal Range	19W
Legal Township	01S
Legal Section	16
Legal Subdivision	SYMPHONY AT HAMMOCK BAY
Legal Lot Number	176
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

688 Symphony Way is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	688 SYMPHONY WAY, FREEPORT, FL 32439-2490
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Aug 21, 2020	Loan Modification, Mortgage FIFTH THIRD BK
Aug 21, 2020	Warranty Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Aug 21, 2020 · Amount on File
Deed Document Number	20220002247
Deed Book / Page	3234 / 4036
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 18, 2022
Property Address	688 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0032344036
Book / Page	3234 / 4036
Map Reference	MB 17 PG 27&27A-27D
Instrument Date	Jan 13, 2022
Instrument	20220002247
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2025
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,461.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	688 SYMPHONY WAY, FREEPORT, FL 32439-2490

Mortgage

Document Number	0032344038
Date	Jan 18, 2022
Instrument	3234/4038

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	688 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0031561513
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	HB TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	0031561513
Date	Aug 21, 2020
Book Page	003156/001513
Instrument	31858

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount on Record

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 21, 2020
Property Address	688 SYMPHONY WAY, FREEPORT, FL 32439-2490
Document Number	0031561511
Book / Page	003156 / 001511
Instrument Date	Aug 18, 2020
Instrument	31857
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

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		$334,034 Land $88,825 Building $245,209	$334,034 Land $88,825 Building $245,209
2024	$4,300.00 (-11.01%)
2023	$4,832.00 (+20.53%)	$356,136 (+14.49%) Land $88,825 Building $267,311	$356,136 (+14.49%) Land $88,825 Building $267,311
2022	$4,009.00	$311,050 Land $70,513 Building $240,537	$311,050 Land $70,513 Building $240,537

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

Flood

FEMA maps place 688 Symphony Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 688 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 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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