85 Cypress Ln, Freeport, FL 32439 Property Records

Walton County property record for 85 Cypress Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,595 sqft · built 2023
Lot Size	0.434 acres (18,906 sqft)
Owner	Individual Name on Record
Last Sale	$506,600 (Nov 2023)
Tax Bill	$5,739 (2024)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-1S-19-23101-00E-0110`

Property Details

APN / Parcel Number

Primary APN	`07-1S-19-23101-00E-0110`
Alternative APN	`1010020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,595 sqft Living Area
Gross Area	3,395 sqft

Exterior

Year Built	Built 2023
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	18,906 sqft (0.434 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1010020
Street Address	85 CYPRESS LN
City	FREEPORT
State	FL
Zip	32439-2751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK E MAGNOLIA LANDING PH 11 PB 14-94 OR 2498-74 OR 2886-1579 OR 2895-1106 OR 2936-2221 OR 3127-4508 OR 3220-2147 OR
Legal Range	19W
Legal Township	01S
Legal Section	07
Legal Subdivision	MAGNOLIA LANDING PH II
Legal Phase	11
Legal Block	E
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2060
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	85 CYPRESS LN, FREEPORT, FL 32439-2751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE MORTGAGE LINK INC
Nov 14, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage THE MORTGAGE LINK INC
Oct 13, 2021	Warranty Deed, Transfer HB TITLE INC
Dec 20, 2019	Warranty Deed, Transfer · Line of Credit ROBERT W TULLIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Oct 13, 2021 · Amount on Record
Deed Document Number	20230041187
Deed Book / Page	3307 / 4074
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	85 CYPRESS LN, FREEPORT, FL 32439-2751
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CYPRESS CV 2207, 2207, DESTIN, FL 32550-8695

Mortgage

Document Number	0033074086
Date	Nov 14, 2023
Book Page	3307/4086
Instrument	20230041189

Lender

Name	THE MORTGAGE LINK INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 14, 2023
Property Address	85 CYPRESS LN, FREEPORT, FL 32439-2751
Document Number	0033074074
Book / Page	3307 / 4074
Map Reference	MB 14 PG94&94A
Instrument Date	Nov 10, 2023
Instrument	20230041187
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2024
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,546.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CYPRESS LN, FREEPORT, FL 32439-2751

Mortgage

Document Number	0033074076
Date	Nov 14, 2023
Book Page	3307/4076
Instrument	20230041188

Lender

Name	THE MORTGAGE LINK INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 13, 2021
Property Address	85 CYPRESS LN, FREEPORT, FL 32439-2751
Document Number	0032202147
Book / Page	3220 / 2147
Map Reference	MB 14 PG 94
Instrument Date	Oct 1, 2021
Instrument	20210051094
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 HATCHER CEMETERY RD, FREEPORT, FL 32439-2737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2293 W EAU, MELBOURNE, FL 32935

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 20, 2019
Property Address	CYPRESS LN, FREEPORT, FL 32439
Document Number	0031274508
Book / Page	003127 / 004508
Instrument Date	Dec 13, 2019
Instrument	44534
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	301 HATCHER CEMETERY RD FREEPORT FL 324392737, FREEPORT, FL 32439-2737

Mortgage

Document Number	31274510
Date	Dec 20, 2019
Book Page	003127/004510
Instrument	44535

Lender

Name	ROBERT W TULLIS
Address	9 PAMONA AVE, BIRMINGHAM, AL 35209-2030
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$394,930 (+1,232.06%) Land $32,000 Building $362,930	$394,930 (+1,232.06%) Land $32,000 Building $362,930
2024	$5,739.00 (+1,386.79%)
2023	$386.00 (-8.1%)	$29,648 (-9.91%) Land $29,648	$29,648 (-9.91%) Land $29,648
2022	$420.00	$32,910 Land $32,910	$32,910 Land $32,910

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 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 90 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 / 35
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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