786 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 786 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,720 sqft · built 2007
Lot Size	0.276 acres (12,022 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Apr 2022)
Tax Bill	$4,713 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Jul 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1530`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1530`
Alternative APN	`16-119-23020-000-1530`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	3,752 sqft
1st Floor Area	2,205 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,022 sqft (0.276 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	526 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	786 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 153 SYMPHONY AT HAMMOCK BAY PB 17-27
Legal Range	019
Legal Township	01S
Legal Section	16
Legal Subdivision	HAMMOCK BAY
Legal Block	15
Legal Lot Number	153
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2004
Census Tract	950502

Owner

Source: Walton County records, as of July 21, 2026

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	786 SYMPHONY WAY, FREEPORT, FL 32439-2491
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2024	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 22, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2022 · Amount on Record
Deed Sale	Apr 22, 2022 · Amount on Record
Prior Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	202219274
Deed Book / Page	3249 / 1716
Prior Transfer Date	Apr 30, 2015
Prior Transfer Doc	0029811839
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	786 SYMPHONY WAY, FREEPORT, FL 32439-2491
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 SYMPHONY WAY, FREEPORT, FL 32439-2491

Mortgage

Document Number	0033304198
Date	Jul 18, 2024
Book Page	3330/4198
Instrument	20240025218

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	786 SYMPHONY WAY, FREEPORT, FL 32439-2491
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 SYMPHONY WAY, FREEPORT, FL 32439-2491

Mortgage

Document Number	0032594198
Date	Jul 13, 2022
Book Page	3259/4198
Instrument	20220032479

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 22, 2022
Property Address	786 SYMPHONY WAY, FREEPORT, FL 32439-2491
Document Number	0032491716
Book / Page	3249 / 1716
Map Reference	MB 17 PG 27
Instrument Date	Apr 21, 2022
Instrument	20220019274
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	282 MILL POND CV, FREEPORT, FL 32439-7650

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 SYMPHONY WAY, FREEPORT, FL 32439-2491

Mortgage

Document Number	0032491718
Date	Apr 22, 2022
Instrument	3249/1718

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$4,713.00 (-2.28%) Homeowner's exemption Widower's exemption	$405,083 (-12.02%)	$420,929 (-8.58%) Land $80,750 Building $340,179
2024	$4,823.00 (-14.58%)
2023	$5,646.00 (+94.42%) Homeowner's exemption	$460,417 (+12.73%) Land $80,750 Building $379,667	$460,417 (+12.73%) Land $80,750 Building $379,667
2022	$2,904.00 Homeowner's exemption	$408,417 Land $64,102 Building $344,315	$408,417 Land $64,102 Building $344,315

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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