Walton County property record for 689 Riverwalk Cir, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,708 sqft · built 2022 |
| Lot Size | 0.135 acres (5,881 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $379,000 (Apr 2023) |
| Tax Bill | $75 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jun 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1S-19-23040-000-1500 |
| Primary APN | 22-1S-19-23040-000-1500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 2,278 sqft |
| 1st Floor Area | 1,708 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,881 sqft (0.135 acres) |
| Lot Dimensions | 130 ft deep x 43 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 689 RIVERWALK CIR |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNI |
| Legal Description | LOT 150 RIVERWALK PH I PB 18-13 OR 2786-819 OR 3095-3275 OR 3140-1665 OR 3247-2452 OR 3287-3705 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | RIVERWALK PH I |
| Legal Phase | 1 |
| Legal Block | 15 |
| Legal Lot Number | 150 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 950502 |
689 Riverwalk Cir is owned and occupied by two individuals who bought it in April 2023.
Source: Walton County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 689 RIVERWALK CIR, FREEPORT, FL 32439-4268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2023 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage OPEN MORTGAGE LLC |
| Jun 18, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF MO |
| Apr 21, 2020 | Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC |
| Jan 23, 2019 | Tax Deed, Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2023 · Amount on File |
| Deed Sale | Apr 27, 2023 · Amount on File |
| Prior Sale | Apr 21, 2020 · Amount on File |
| Deed Document Number | 202314603 |
| Deed Book / Page | 3287 / 3705 |
| Prior Transfer Date | Jan 23, 2019 |
| Prior Transfer Doc | 0030953275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 27, 2023 |
| Property Address | 689 RIVERWALK CIR, FREEPORT, FL 32439-4268 |
| Document Number | 0032873705 |
| Book / Page | 3287 / 3705 |
| Map Reference | MB 18 PG 13 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 20230014603 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,653.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 W GARDEN STREET UNIT 2, 2, PENSACOLA, FL 32502-5696 |
| Name | Verified Name |
|---|---|
| Address | 689 RIVERWALK CIR, FREEPORT, FL 32439-4268 |
| Document Number | 0032873707 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 3287/3707 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 689 RIVERWALK CIR, FREEPORT, FL 32439-4268 |
| Document Number | 0031480223 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 718 W BUSINESS US HIGHWAY 60 DEXTER MO 638411005, DEXTER, MO 63841-1005 |
| Document Number | 0031480223 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 003148/000223 |
| Instrument | 22376 |
| Name | BANK OF MO |
|---|---|
| Type | Bank |
| Address | CAPE GIRARDEAU, MO 63701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 21, 2020 |
| Property Address | 689 RIVERWALK CIR, FREEPORT, FL 32439-4268 |
| Document Number | 0031401665 |
| Book / Page | 003140 / 001665 |
| Instrument Date | Apr 17, 2020 |
| Instrument | 13692 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $75.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 36008 EMERALD COAST PKWY DESTIN FL 325414792, DESTIN, FL 32541-4792 |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 23, 2019 |
| Property Address | 689 RIVERWALK CIR, FREEPORT, FL 32439-4268 |
| Document Number | 0030953275 |
| Book / Page | 003095 / 003275 |
| Instrument Date | Jan 23, 2019 |
| Instrument | 2308 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 7, 2019 |
| Amount | Amount on Record |
|---|---|
| Tax | $63.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 WALTON SHORES CT DESTIN FL 325503953, DESTIN, FL 32550-3953 |
The 2025 property tax bill for 689 Riverwalk Cir was $75.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $75.00 | $266,294 Land $35,175 Building $231,119 | $266,294 Land $35,175 Building $231,119 |
| 2024 | $75.00 (-97.83%) | ||
| 2023 | $3,461.00 (+1,251.95%) | $259,530 (+564.71%) Land $35,175 Building $224,355 | $259,530 (+564.71%) Land $35,175 Building $224,355 |
| 2022 | $256.00 | $39,044 Land $39,044 | $39,044 Land $39,044 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 689 Riverwalk Cir 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 126 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 126 in force |
| Nearby Flood Claims | 68 (1992–2021) |
| Claims Outside the SFHA | 7 of 68 |
| Most Recent Claim | Jun 2021 · other causes |
| Claims by Event |
|
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 risk around 689 Riverwalk Cir is moderate, ranking above 50% 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 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREEPORT serves 12,020 people · EPA ID FL1660290 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Cox Communications Fiber | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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