839 Whitfield Rd, Freeport, FL 32439 Property Records

Walton County property record for 839 Whitfield Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,714 sqft · built 1974
Lot Size	2 acres (87,164 sqft)
Owner	Individual Name on Record
Last Sale	$804,000 (Nov 2022)
Tax Bill	$150 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-1S-20-32000-017-0000`

Property Details

APN / Parcel Number

Primary APN	`13-1S-20-32000-017-0000`
Alternative APNs	`13-120-32000-017-0000` `1018428`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,714 sqft Living Area
Gross Area	7,603 sqft
1st Floor Area	1,922 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	87,164 sqft (2 acres)
Lot Dimensions	436 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	1,600 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	698 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	839 WHITFIELD RD
City	FREEPORT
State	FL
Zip	32439-2454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYALAQ
Legal Description	COM NE/C GOVT LOT 4,W 436.17 FT,S 200FT,E 436.17FT TO BAYOU NLY 200FT TO BEG. ALSO DESC AS FROM A PT ON S BDRY GOV LOT 3 SEC 13-1S-20W WHERE S BDRY IS INTERSECTED BY PORTLAND & WHITFIELD RDS,E ALG BDRY TO WATERS EDGE WEST BAYOU,SLY ALG SHORE 200FT S
Legal Range	020
Legal Township	01S
Legal Section	13
Legal Block	1700
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3003
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 2025

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	839 WHITFIELD RD, FREEPORT, FL 32439-2454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Warranty Deed, Transfer · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN
Jun 17, 2020	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN
Feb 2, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CHESTER G KROEGER
Sep 25, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Prior Sale	Feb 2, 2022 · Amount on Record
Deed Document Number	202251465
Deed Book / Page	3274 / 1062
Prior Transfer Date	Nov 29, 2022
Prior Transfer Doc	0032741062
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 30, 2022
Property Address	839 WHITFIELD RD, FREEPORT, FL 32439-2454
Document Number	0032741062
Book / Page	3274 / 1062
Instrument Date	Nov 29, 2022
Instrument	20220051465
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	KETCHERSID LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,628.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	449 WATERVIEW COVE DR, FREEPORT, FL 32439-2815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	839 WHITFIELD RD, FREEPORT, FL 32439-2454

Mortgage

Document Number	0032741064
Date	Nov 30, 2022
Instrument	3274/1064

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2052

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	839 WHITFIELD RD, FREEPORT, FL 32439-2454
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031463533
Date	Jun 17, 2020
Book Page	3146/3533
Instrument	20200020792

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 2, 2022
Property Address	839 WHITFIELD RD, FREEPORT, FL 32439-2454
Document Number	0032370957
Book / Page	3237 / 957
Instrument Date	Jan 27, 2022
Instrument	20220005028
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	839 WHITFIELD RD, 839, FREEPORT, FL 32439-2454

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	839 WHITFIELD RD, FREEPORT, FL 32439-2454

Mortgage

Document Number	0032370959
Date	Feb 2, 2022
Book Page	3237/959
Instrument	20220005029

Lender

Name	CHESTER G KROEGER
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 25, 2017
Property Address	839 WHITFIELD RD, FREEPORT, FL 32439-2454
Document Number	0030530328
Book / Page	3053 / 0328
Instrument Date	Sep 25, 2017
Instrument	2017000031538
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 CEDAR BEACH CV, 304, FREEPORT, FL 32439-2779

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20001A EMERALD COAST PKWY, DESTIN, FL 32541-3410

Mortgage

Document Number	0030530330
Date	Sep 25, 2017
Book Page	3053/0330
Instrument	2017000031539

Lender

Name	FIRST FLORIDA BANK
Type	Bank
Address	LINCOLN, NH 03251

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$150.00	$618,361 (+93.26%) Land $161,241 Building $457,120	$618,361 (+93.26%) Land $161,241 Building $457,120
2024	$150.00 (-94.52%)
2023	$2,736.00 (+5.47%)	$319,964 (-3.68%) Land $161,241 Building $158,723	$319,964 (-3.68%) Land $161,241 Building $158,723
2022	$2,594.00 Homeowner's exemption	$332,185 Land $178,978 Building $153,207	$332,185 Land $178,978 Building $153,207

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	115 (1994–2020)
Claims Outside the SFHA	38 of 115
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 17 claims Hurricane Frances, Sep 2004 · 44 claims Hurricane Opal, Oct 1995 · 27 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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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