838 Symphony Way, Freeport, FL 32439 Property Records

Walton County property record for 838 Symphony Way, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,177 sqft · built 2020
Lot Size	0.297 acres (12,942 sqft)
Owner	2 Individual Names on Record
Last Sale	$401,400 (May 2020)
Tax Bill	$220 (2024)
Deeds & Mortgages	May 2020 Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`16-1S-19-23020-000-1500`

Property Details

APN / Parcel Number

Primary APN	`16-1S-19-23020-000-1500`
Alternative APN	`1025964`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,177 sqft Living Area
Gross Area	3,878 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,942 sqft (0.297 acres)
Garage Type	Finished

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1025964
Street Address	838 SYMPHONY WAY
City	FREEPORT
State	FL
Zip	32439-2492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 150 SYMPHONY AT HAMMOCK BAY PB 17-27 OR 2710-2608 OR 3116-3180 OR 3143-2276
Legal Range	19W
Legal Township	01S
Legal Section	16
Legal Subdivision	SYMPHONY AT HAMMOCK BAY
Legal Lot Number	150
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 17, 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
Co-owner	Co-owner on Record
Mailing Address	838 SYMPHONY WAY, FREEPORT, FL 32439-2492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Sep 3, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Mar 3, 2006 · Amount on Record
Deed Document Number	0031432276
Deed Book / Page	3116 / 3180
Prior Transfer Date	Sep 3, 2019
Prior Transfer Doc	20190030061
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	838 SYMPHONY WAY, FREEPORT, FL 32439-2492
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031432277
Date	May 19, 2020
Book Page	3143/2277
Instrument	20200017053

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 3, 2019
Property Address	838 SYMPHONY WAY, FREEPORT, FL 32439-2492
Document Number	0031163180
Book / Page	003116 / 003180
Instrument Date	Aug 29, 2019
Instrument	30061
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25366 PROFIT DR DAVISTON AL 36256, DAVISTON, AL 36256

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$536,317 (-7.13%) Land $80,750 Building $455,567	$536,317 (-7.13%) Land $80,750 Building $455,567
2024	$220.00 (+18.92%)
2023	$185.00 Homeowner's exemption	$577,479 (+26.67%) Land $80,750 Building $496,729	$577,479 (+26.67%) Land $80,750 Building $496,729
2022	$185.00 Homeowner's exemption	$455,891 Land $64,102 Building $391,789	$455,891 Land $64,102 Building $391,789

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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