Walton County property record for 72 Tropical Way, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 2004 |
| Lot Size | 0.33 acres (14,360 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $143,500 (Dec 2021) |
| Tax Bill | $1,129 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Dec 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-1S-19-23032-000-0140 |
| Primary APN | 33-1S-19-23032-000-0140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,046 sqft |
| 1st Floor Area | 1,400 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,360 sqft (0.33 acres) |
| Lot Dimensions | 190 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 186 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 72 TROPICAL WAY |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4792 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LOT 14 BRANDON OAKS 1ST ADDITION PB 15-91 OR 2640-3800 OR 2784-3266 OR 3073-421 OR 3124-2032 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | BRANDON OAKS 1ST ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 950502 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jan 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Dec 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Nov 18, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 8, 2018 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2021 · Amount on Record |
| Deed Sale | Dec 9, 2021 · Amount on Record |
| Prior Sale | May 8, 2018 · Amount on Record |
| Deed Document Number | 202160827 |
| Deed Book / Page | 3228 / 4513 |
| Prior Transfer Date | Nov 24, 2021 |
| Prior Transfer Doc | 0032284513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030951090 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 3095/1090 |
| Instrument | 20190001687 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jun 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 9, 2021 |
| Property Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Document Number | 0032284513 |
| Book / Page | 3228 / 4513 |
| Map Reference | MB 15 PG 91 |
| Instrument Date | Nov 24, 2021 |
| Instrument | 20210060827 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | UNKNOWN, FOUNDATION T&E SERIES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,004.50 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Document Number | 0032284518 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 3228/4518 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 18, 2019 |
| Property Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Document Number | 0031242032 |
| Book / Page | 003124 / 002032 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 40192 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 72 TROPICAL WAY FREEPORT FL 324394792, FREEPORT, FL 32439-4792 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 8, 2018 |
| Property Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Document Number | 0030730421 |
| Book / Page | 3073 / 0421 |
| Map Reference | MV15 PG91 |
| Instrument Date | May 7, 2018 |
| Instrument | 2018000015049 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3085 COMMONWEALTH DR APT 2224, 3085, SPRING HILL, TN 37174-3136 |
| Name | Verified Name |
|---|---|
| Address | 72 TROPICAL WAY, FREEPORT, FL 32439-4792 |
| Document Number | 2018000015050 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 2018000015050 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,129.00 (+1.99%) Homeowner's exemption | $165,412 (-36.07%) | $250,201 (-3.31%) Land $50,000 Building $200,201 |
| 2024 | $1,107.00 (+4.14%) | ||
| 2023 | $1,063.00 (+1.14%) Homeowner's exemption | $258,756 (+9.24%) Land $32,648 Building $226,108 | $258,756 (+9.24%) Land $32,648 Building $226,108 |
| 2022 | $1,051.00 Homeowner's exemption | $236,866 Land $36,239 Building $200,627 | $236,866 Land $36,239 Building $200,627 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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