Walton County property record for 77 Cypress Ln, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,535 sqft · built 2005 |
| Lot Size | 0.448 acres (19,524 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Jun 2017) |
| Tax Bill | $1,212 (2025) |
| Deeds & Mortgages | Jan 2022 Second Mortgage Jan 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-1S-19-23101-00E-0120 |
| Primary APN | 07-1S-19-23101-00E-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,535 sqft Living Area |
| Gross Area | 2,383 sqft |
| 1st Floor Area | 1,048 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,524 sqft (0.448 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 224 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 77 CYPRESS LN |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 BLK E MAGNOLIA LANDING PH II PB 14-94 OR 2498-74 OR 2638-117 OR 2740-4212 OR 2761-140 OR 3020-4785 OR 3034-1553 OR 3045-378 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 07 |
| Legal Subdivision | MAGNOLIA LANDING PH II |
| Legal Phase | 2 |
| Legal Block | E |
| Legal Lot Number | 12 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 950502 |
Source: Walton County records · APN 07-1S-19-23101-00E-0120
Assessment roll updated December 3, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 77 CYPRESS LN, FREEPORT, FL 32439-2751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Jan 07, 2020 | Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG |
| Jun 27, 2017 | Warranty Deed, Transfer · FHA Mortgage BANKERS MORTGAGE LENDING INC |
| Feb 28, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2017 · Amount on Record |
| Deed Sale | Jun 27, 2017 · Amount on Record |
| Prior Sale | Feb 28, 2017 · Amount on Record |
| Deed Document Number | 201720943 |
| Deed Book / Page | 3045 / 378 |
| Prior Transfer Date | May 02, 2007 |
| Prior Transfer Doc | 0027610140 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 77 CYPRESS LN, FREEPORT, FL 32439-2751 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 77 CYPRESS LN, FREEPORT, FL 32439-2751 |
| Document Number | 0032354595 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 3235/4595 |
| Instrument | 20220003596 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Feb 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 77 CYPRESS LN, FREEPORT, FL 32439-2751 |
| Document Number | 0031330230 |
| Instrument Date | Jan 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 77 CYPRESS LN FREEPORT FL 324392751, FREEPORT, FL 32439-2751 |
| Document Number | 0031330230 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 003133/000230 |
| Instrument | 5092 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 27, 2017 |
| Property Address | 77 CYPRESS LN, FREEPORT, FL 32439-2751 |
| Document Number | 0030450378 |
| Book / Page | 3045 / 0378 |
| Map Reference | MB14 PG94&94A |
| Instrument Date | Jun 23, 2017 |
| Instrument | 20170020943 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | BRADLEY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 W ZARRAGOSSA ST, 320, PENSACOLA, FL 32502-5568 |
| Name | Verified Name |
|---|---|
| Address | 550 RUBY RD TRLR 65, 65, COPPELL, TX 75019-6439 |
| Document Number | 0030450379 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 3045/0379 |
| Name | BANKERS MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 28, 2017 |
| Property Address | 77 CYPRESS LN, FREEPORT, FL 32439-2751 |
| Document Number | 0030341553 |
| Book / Page | 003034 / 001553 |
| Instrument Date | Feb 09, 2017 |
| Instrument | 6021 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $843.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 590 SANTA ROSA BLVD #514 FORT WALTON BEACH FL 325486956, 514, FORT WALTON BEACH, FL 32548-6956 |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Municipality | Freeport City |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,212.00 (-0.25%) Homeowner's exemption | $132,770 (-34.26%) | $200,338 (-0.8%) Land $32,000 Building $168,338 |
| 2024 | $1,215.00 (+4.47%) | ||
| 2023 | $1,163.00 (+5.82%) Homeowner's exemption | $201,951 (+8.64%) Land $29,648 Building $172,303 | $201,951 (+8.64%) Land $29,648 Building $172,303 |
| 2022 | $1,099.00 Homeowner's exemption | $185,892 Land $32,910 Building $152,982 | $185,892 Land $32,910 Building $152,982 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
May also be available: AT&T.
Based on FCC filings for 90 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH BAY WATER SYSTEM serves 3,171 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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