689 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 689 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 2016
Lot Size	0.207 acres (9,032 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Dec 2023)
Tax Bill	$4,871 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-2010`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-2010`
Alternative APN	`1026015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Living Area
Gross Area	2,267 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,032 sqft (0.207 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1026015
Street Address	689 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 201 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2701-1806 OR 2995-3623 OR 3032-181 OR 3149-1373 OR 3309-4913
Legal Range	19W
Legal Township	01S
Legal Section	16
Legal Subdivision	SYMPHONY AT HAMMOCK BAY
Legal Lot Number	201
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2010
Census Tract	950502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
May 26, 2017	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 7, 2020	Warranty Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS
Jan 27, 2017	Grant Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2023 · Amount on Record
Deed Sale	Dec 11, 2023 · Amount on Record
Prior Sale	May 19, 2022 · Amount on Record
Deed Document Number	20230044028
Deed Book / Page	3309 / 4913
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 11, 2023
Property Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480
Document Number	0033094913
Book / Page	3309 / 4913
Map Reference	MB 17 PG 27&27A-27D
Instrument Date	Dec 8, 2023
Instrument	20230044028
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480

Mortgage

Document Number	0033094914
Date	Dec 11, 2023
Instrument	3309/4914

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Jan 1, 2034
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.2%
Index	SOFR Average 30-Day
Max Rate	12.2%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 19, 2022
Property Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480
Document Number	0032524764
Book / Page	3252 / 4764
Map Reference	MB 17 PG 27&27A-27D
Instrument Date	May 18, 2022
Instrument	20220023866
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,933.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4196 STATE HIGHWAY 20 E, FREEPORT, FL 32439-6034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480

Mortgage

Document Number	0032524766
Date	May 19, 2022
Instrument	3252/4766

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030422652
Date	May 26, 2017
Book Page	3042/2652
Instrument	20170017366

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 7, 2020
Property Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480
Document Number	0031491373
Book / Page	003149 / 001373
Instrument Date	Jul 3, 2020
Instrument	23797
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$1,960.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	689 SYMPHONY WAY FREEPORT FL 324392480, FREEPORT, FL 32439-2480

January 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Jan 27, 2017
Property Address	689 SYMPHONY WAY, FREEPORT, FL 32439-2480
Document Number	0030320181
Book / Page	003032 / 000181
Instrument Date	Jan 20, 2017
Instrument	2735
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,550.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	689 SYMPHONY WAY FREEPORT FL 324392480, FREEPORT, FL 32439-2480

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		$327,606 (-6.67%) Land $96,900 Building $230,706	$327,606 (-6.67%) Land $96,900 Building $230,706
2024	$4,871.00 (+0.33%)
2023	$4,855.00 (+15.9%) Homeowner's exemption	$351,015 (+17.08%) Land $96,900 Building $254,115	$351,015 (+17.08%) Land $96,900 Building $254,115
2022	$4,189.00	$299,812 Land $76,923 Building $222,889	$299,812 Land $76,923 Building $222,889

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
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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