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76 Spruce St, Freeport, FL 32439 Property Records

Walton County property record for 76 Spruce St, Freeport, FL 32439 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2022
Square Footage2,346 sqft Living Area
Lot Size11,238 sqft (0.258 acres)
OccupancyOwner Occupied
Last Sale$475,000 (2022)
Tax Bill$2,257.00 (2025)

Owner

Source: Walton County records · APN 28-1S-21-41010-002-0060

Assessment roll updated December 3, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address76 SPRUCE ST, FREEPORT, FL 32439-6699
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 02, 2022Warranty Deed, Transfer · Veterans Administration Mortgage
CENTENNIAL BANK
Aug 25, 2020Deed of Trust, Mortgage · Building or Construction Mortgage
PEN AIR FEDERAL CU
Feb 24, 2021Warranty Deed, Transfer
PANHANDLE TITLE INC
Nov 18, 2020Correction Deed, Transfer
NOT AVAILABLE
May 11, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Mar 06, 2020Warranty Deed, Transfer
PANHANDLE TITLE INC
Feb 24, 2020Warranty Deed, Transfer
PANHANDLE TITLE INC
Feb 11, 2019Warranty Deed, Transfer
PANHANDLE TITLE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 02, 2022 · Amount on Record
Deed SaleJun 02, 2022 · Amount on Record
Prior SaleFeb 24, 2021 · Amount on Record
Deed Doc Number202226023
Deed Book / Page3254 / 3457
Prior Transfer DateNov 01, 2020
Prior Transfer Doc0031692916
Record RefreshedSep 20, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJun 02, 2022
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0032543457
Book / Page3254 / 3457
Map ReferenceMB 2 PG 72&73
Instrument DateMay 24, 2022
Instrument20220026023
Transaction TypeTransfer
Record UpdatedJun 20, 2022
Title CompanyPANHANDLE TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,325.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 5148, NICEVILLE, FL 32578-5148

Transferred To (Grantee/Buyer)

NameVerified Name
Address76 SPRUCE ST, FREEPORT, FL 32439-6699

Mortgage

Document Number0032543459
DateJun 02, 2022
Instrument3254/3459
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2052

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Transaction TypeMortgage
Record UpdatedDec 30, 2021
Title CompanySURETY LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1601 DARBYSHIRE DR, DEFIANCE, OH 43512-3305

Mortgage

Document Number0031563538
DateAug 25, 2020
Book Page3156/3538
Instrument20200032331
Lender
NamePEN AIR FEDERAL CU
TypeCredit Union
AddressPENSACOLA, FL 32514
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term373 Months
DueSep 01, 2051
Interest
Rate TypeAdjustable Rate
Rate2.75%
Type Change DateSep 01, 2026
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change4.75%
Index1-Year LIBOR
Max Rate8.75%

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateFeb 24, 2021
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0031842488
Book / Page3184 / 2488
Map ReferenceMB 2 PG 72&73
Instrument DateFeb 17, 2021
Instrument20210008639
Transaction TypeTransfer
Record UpdatedFeb 21, 2023
Title CompanyPANHANDLE TITLE INC

Transaction

AmountAmount Recorded
Tax$186.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 583, NICEVILLE, FL 32588-0583

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 5148, NICEVILLE, FL 32578-5148

November 2020: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionWALTON FL
Recording DateNov 18, 2020
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0031692916
Book / Page003169 / 002916
Instrument DateNov 01, 2020
Instrument47090
Transaction TypeTransfer
Record UpdatedMay 11, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
AddressPO BOX 583 NICEVILLE FL 325880583, NICEVILLE, FL 32588-0583

May 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateMay 11, 2020
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0031421866
Book / Page003142 / 001866
Instrument DateMay 11, 2020
Instrument15842
Transaction TypeTransfer
Record UpdatedJun 26, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
AddressPO BOX 583 NICEVILLE FL 325880583, NICEVILLE, FL 32588-0583

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 06, 2020
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0031353438
Book / Page003135 / 003438
Instrument DateFeb 26, 2020
Instrument8334
Transaction TypeTransfer
Record UpdatedMay 21, 2020
Title CompanyPANHANDLE TITLE INC

Transaction

AmountAmount Recorded
Tax$1,050.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
AddressPO BOX 583 NICEVILLE FL 325880583, NICEVILLE, FL 32588-0583

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateFeb 24, 2020
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0031340560
Book / Page003134 / 000560
Instrument DateFeb 19, 2020
Instrument6557
Transaction TypeTransfer
Record UpdatedMar 20, 2020
Title CompanyPANHANDLE TITLE INC

Transaction

AmountAmount Recorded
Tax$245.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1601 DARBYSHIRE DR DEFIANCE OH 435123305, DEFIANCE, OH 43512-3305

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateFeb 11, 2019
Property Address76 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number0030970528
Book / Page003097 / 000528
Instrument DateFeb 08, 2019
Instrument4276
Transaction TypeTransfer
Record UpdatedFeb 26, 2019
Title CompanyPANHANDLE TITLE INC

Transaction

AmountAmount Recorded
Tax$868.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address12223 STATE HIGHWAY 20 W FREEPORT FL 324392007, FREEPORT, FL 32439-2007

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,257.00 (-11.94%) Homeowner's exemption$302,224 (-9.82%) Land $46,875 Building $255,349$302,224 (-9.82%) Land $46,875 Building $255,349
2024$2,563.00 (+0.39%)
2023$2,553.00 (+662.09%) Homeowner's exemption$335,152 (+753.48%) Land $46,875 Building $288,277$335,152 (+753.48%) Land $46,875 Building $288,277
2022$335.00$39,269 Land $39,269$39,269 Land $39,269

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 46% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,190 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN28-1S-21-41010-002-0060
Alternative APNs
  • 28-121-41010-002-0060
  • 1058488

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,346 sqft Living Area
Gross Area3,348 sqft Gross Area
1st Floor2,346 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialConcrete Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,238 sqft (0.258 acres)
Depth X Width150 ft x 75 ft Depth x Width
Garage TypeAttached Garage
Garage Area710 sqft Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address76 SPRUCE ST
CityFREEPORT
StateFL
Zip32439-6699
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 6 BLK 2 CHEROKEE S/D PB 2-72 OR 2896-2323 OR 3097-528 OR 3135-3438 OR 3136-3350 OR 3142-1866 OR 3184-2488 OR 3254-3457
Legal Range021
Legal Township01S
Legal Section28
Legal SubdivisionCHEROKEE
Legal Block2
Legal Lot Number6
JurisdictionWALTON FL
Minor Civil DivisionFREEPORT
Census Blockgroup1
Census Block1028
Census Tract950306

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