77 Prospect St, Freeport, FL 32439 Property Records

Walton County property record for 77 Prospect St, Freeport, FL 32439 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,551 sqft · built 2019
Lot Size	0.165 acres (7,174 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Nov 2019)
Tax Bill	$2,565 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23080-000-0080`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23080-000-0080`
Alternative APNs	`15-119-23080-000-0080` `1022638`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,551 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	1,551 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,174 sqft (0.165 acres)
Garage Type	Attached
Garage Area	455 sqft
Porch	Finished Screened Porch
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	77 PROSPECT ST
City	FREEPORT
State	FL
Zip	32439-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 PROSPECT PARK S/D PB 17-37 OR 2933-545 OR 3038-3908 OR 3122-4472 OR 3222-1138
Legal Range	019
Legal Township	01S
Legal Section	15
Legal Subdivision	PROSPECT PARK
Legal Block	5
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1008
Census Tract	950502

Owner

Source: Walton County records · APN 15-1S-19-23080-000-0080

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 PROSPECT ST, FREEPORT, FL 32439-3802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 25, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 01, 2019	Warranty Deed, Transfer · FHA Mortgage SOUTHPOINT BANK
Jun 25, 2018	Deed of Trust, Mortgage FIRST CTY BK/FL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 01, 2019 · Amount on Record
Deed Sale	Nov 01, 2019 · Amount on Record
Prior Sale	Oct 08, 2013 · Amount on Record
Deed Document Number	201938350
Deed Book / Page	3122 / 4472
Last Transfer Date	Oct 19, 2021
Transfer Doc	0032221138
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	77 PROSPECT ST, FREEPORT, FL 32439-3802
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 PROSPECT ST, FREEPORT, FL 32439-3802

Mortgage

Document Number	0032254229
Date	Nov 17, 2021
Book Page	3225/4229
Instrument	20210057293

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Oct 25, 2021
Property Address	77 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0032221138
Book / Page	3222 / 1138
Map Reference	MB 17 PG 347
Instrument Date	Oct 19, 2021
Instrument	20210053215
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	77 PROSPECT ST, FREEPORT, FL 32439-3802

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 01, 2019
Property Address	77 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0031224472
Book / Page	3122 / 4472
Map Reference	MB 17 PG 37
Instrument Date	Oct 31, 2019
Instrument	20190038350
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1269 OLD MONROE MADISON HWY, 1269, MONROE, GA 30655-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 LYONIA LN, PANAMA CITY BEACH, FL 32408-7468

Mortgage

Document Number	0031224474
Date	Nov 01, 2019
Instrument	3122/4474

Lender

Name	SOUTHPOINT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	77 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0030782948
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1269 OLD MONROE MADISON HWY MONROE GA 306557239, MONROE, GA 30655-7239

Mortgage

Document Number	0030782948
Date	Jul 05, 2018
Book Page	003078/002948
Instrument	22407

Lender

Name	FIRST CTY BK/FL
Type	Bank
Address	FT WALTON BCH, FL 32548-5552

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 04, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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

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	$2,565.00 (-0.85%) Homeowner's exemption	$240,693 (-12.25%)	$320,924 (+17%) Land $28,000 Building $292,924
2024	$2,587.00 (+3.81%)
2023	$2,492.00 (+5.5%) Homeowner's exemption	$274,294 (-4.96%) Land $20,444 Building $253,850	$274,294 (-4.96%) Land $20,444 Building $253,850
2022	$2,362.00 Homeowner's exemption	$288,595 Land $22,693 Building $265,902	$288,595 Land $22,693 Building $265,902

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319505021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 126 individual NFIP policies nearby
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 Storm	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 101 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 35
Verizon	Fixed Wireless	300 / 20
Wildstar Networks	Fixed Wireless	200 / 50

May also be available at this address: AT&T, Lumen Technologies, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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