70 Melody Ln, Freeport, FL 32439 Property Records

Walton County property record for 70 Melody Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,346 sqft · built 2024
Lot Size	0.34 acres (14,828 sqft)
Owner	Individual Name on File
Last Sale	$268,500 (May 2026)
Tax Bill	$5,353 (2025)
Deeds & Mortgages	Jan 2023 Construction Loan Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-0260`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-0260`
Alternative APNs	`16-119-23020-000-0260` `1025840`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,346 sqft Living Area
Gross Area	3,249 sqft
1st Floor Area	2,346 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	14,828 sqft (0.34 acres)
Garage Type	Attached
Garage Area	612 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	70 MELODY LN
City	FREEPORT
State	FL
Zip	32439-2275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 26 SYMPHONY AT HAMMOCK BAY PB 17 PG 27 OR 2702-4566 OR 3255-3101
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	2
Legal Lot Number	26
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

70 Melody Ln is owned and occupied by an individual who bought it in May 2026.

Source: Walton County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	70 MELODY LN, FREEPORT, FL 32439-2275
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 23, 2023	Deed of Trust, Mortgage · Construction Mortgage NORTHPOINTE BANK
Jun 2, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 28, 2026	Warranty Deed, Transfer · VA Mortgage NORTHPOINTE BANK
Jun 9, 2022	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Jun 9, 2022 · Amount on File
Deed Document Number	202621771
Deed Book / Page	3399 / 4267
Prior Transfer Date	May 22, 2026
Prior Transfer Doc	0033994267
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	70 MELODY LN, FREEPORT, FL 32439-2275
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	AQUA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 W CURLY CT, RINEYVILLE, KY 40162-9417

Mortgage

Document Number	0032783456
Date	Jan 23, 2023
Book Page	3278/3456
Instrument	20230002399

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.3%
Index	Other
Margin	3
Max Rate	12.3%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WALTON FL
Recording Date	Jun 2, 2026
Property Address	70 MELODY LN, FREEPORT, FL 32439-2275
Document Number	0000022336
Book / Page	3400 / 1780
Instrument Date	May 29, 2026
Instrument	202622336
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	70 MELODY LN, FREEPORT, FL 32439-2275

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 28, 2026
Property Address	70 MELODY LN, FREEPORT, FL 32439-2275
Document Number	0033994267
Book / Page	3399 / 4267
Instrument Date	May 22, 2026
Instrument	202621771
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	AQUA TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$189,829.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 MELODY LN, FREEPORT, FL 32439-2275

Mortgage

Document Number	0000021772,
Date	May 28, 2026
Instrument	202621772

Lender

Name	NORTHPOINTE BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 9, 2022
Property Address	70 MELODY LN, FREEPORT, FL 32439-2275
Document Number	0032553101
Book / Page	3255 / 3101
Map Reference	MB 17 PG 27-27D
Instrument Date	Jun 7, 2022
Instrument	20220027089
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount on Record
Tax	$896.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4066 INDIAN TRL, DESTIN, FL 32541-4322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 W CURLY CT, RINEYVILLE, KY 40162-9417

Tax Assessment & Valuation

The 2025 property tax bill for 70 Melody Ln was $5,353, up 265.4% from the year before.

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	$5,353.00 (+265.39%)	$456,128 Land $100,938 Building $355,190	$456,128 Land $100,938 Building $355,190
2024	$1,465.00 (+2.66%)
2023	$1,427.00 (+105.32%)	$100,938 (+57.46%) Land $100,938	$100,938 (+57.46%) Land $100,938
2022	$695.00	$64,102 Land $64,102	$64,102 Land $64,102

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 70 Melody Ln 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 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 70 Melody Ln is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 391 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

Cell Coverage

5G (outdoors only) and 4G LTE

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