738 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 738 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,492 sqft · built 2007
Lot Size	0.351 acres (15,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Nov 2025)
Tax Bill	$5,190 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1560`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1560`
Alternative APNs	`16-119-23020-000-1560` `1025970`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,492 sqft Living Area
Gross Area	3,553 sqft
1st Floor Area	2,492 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	15,295 sqft (0.351 acres)
Garage Type	Attached
Garage Area	534 sqft
Porch	Finished Screened Porch
Porch Area	352 sqft
Patio Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	738 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 156 SYMPHONY AT HAMMOCK BAY PB 17 PG 27 OR 2732-4782 OR 2842-1790 OR 2928-1459 OR 2938-798 OR 2950-4353 OR 3296-4335 OR 3298-4551
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	15
Legal Lot Number	156
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

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	2 Individual Names on Record
Mailing Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 14, 2023	Warranty Deed, Transfer · VA Mortgage PRIMELENDING
Jul 25, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Aug 14, 2023 · Amount on Record
Deed Document Number	202540490
Deed Book / Page	3376 / 2383
Prior Transfer Date	Jun 30, 2023
Prior Transfer Doc	0032964335
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 3, 2025
Property Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491
Document Number	0033762383
Book / Page	3376 / 2383
Map Reference	MB 17 PG 27
Instrument Date	Oct 30, 2025
Instrument	20250040490
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SOUTH OAK TITLE GARDENDALE LLC, SOUTH OAK TTL PANHANDLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491

Mortgage

Document Number	0033762385
Date	Nov 3, 2025
Instrument	3376/2385

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 14, 2023
Property Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491
Document Number	0032984551
Book / Page	3298 / 4551
Map Reference	MB 17 PG 27-27D
Instrument Date	Aug 11, 2023
Instrument	20230029125
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4143 CALLAWAY DR, NICEVILLE, FL 32578-1780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491

Mortgage

Document Number	0032984552
Date	Aug 14, 2023
Instrument	3298/4552

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 25, 2023
Property Address	738 SYMPHONY WAY, FREEPORT, FL 32439-2491
Document Number	0032964335
Book / Page	3296 / 4335
Map Reference	MB 17 PG 27-27D
Instrument Date	Jun 30, 2023
Instrument	20230026510
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4143 ALLAWY DRIVE, NICEVILLE, FL 32578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 SYMPHONY WAY # EAY, EAY, FREEPORT, FL 32439-2491

Tax Assessment & Valuation

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	$5,190.00 (+2.33%)	$396,189 (+6.81%) Land $80,750 Building $315,439	$396,189 (+6.81%) Land $80,750 Building $315,439
2024	$5,072.00 (+5.89%)	$370,914 (-14.3%) Land $80,750 Building $290,164	$370,914 (-14.3%) Land $80,750 Building $290,164
2023	$4,790.00 (+5.21%) Homeowner's exemption	$432,798 (+12.92%) Land $80,750 Building $352,048	$432,798 (+12.92%) Land $80,750 Building $352,048
2022	$4,553.00 Homeowner's exemption	$383,274 Land $64,102 Building $319,172	$383,274 Land $64,102 Building $319,172

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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