85 Tournament Ln, Freeport, FL 32439 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,469 sqft · built 2005
Lot Size	0.539 acres (23,522 sqft)
Owner	2 Owner Names on File
Last Sale	$279,900 (Dec 2007)
Tax Bill	$2,830 (2024)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-18-14030-00F-0110`

Property Details

APN / Parcel Number

Primary APN	`15-1S-18-14030-00F-0110`
Alternative APN	`1022112`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,469 sqft Living Area
Gross Area	3,486 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.539 acres)
Garage Type	Finished
Garage Area	607 sqft
Porch	Porch
Porch Area	410 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022112
Street Address	85 TOURNAMENT LN
City	FREEPORT
State	FL
Zip	32439-6243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK F WINDSWEPT ESTATES PH 3 PB 16-5 OR 2640-380 OR 2779-3019
Legal Range	18W
Legal Township	01S
Legal Section	15
Legal Subdivision	WINDSWEPT ESTATES PH 3
Legal Phase	3
Legal Block	F
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2075
Census Tract	950501

Owner

The current owner of 85 Tournament Ln bought it in December 2007.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Owner Names on File
Mailing Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 19, 2019	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
Jan 22, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2007 · Amount on File
Deed Sale	Dec 4, 2007 · Amount on File
Deed Document Number	1020487
Deed Book / Page	2779 / 3019
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243

Mortgage

Document Number	OR33200500
Date	Apr 1, 2024
Book Page	OR3320/500
Instrument	20240011011

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR, IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Jan 25, 2054

Interest

Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243

Mortgage

Document Number	0032412130
Date	Mar 3, 2022
Book Page	3241/2130
Instrument	20220010039

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030994292
Date	Mar 19, 2019
Book Page	3099/4292
Instrument	20190008075

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	85 TOURNAMENT LN, FREEPORT, FL 32439-6243
Document Number	0031322844
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 TOURNAMENT LN FREEPORT FL 324396243, FREEPORT, FL 32439-6243

Mortgage

Document Number	0031322844
Date	Feb 7, 2020
Book Page	003132/002844
Instrument	4469

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2050

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$348,051 Land $81,000 Building $267,051	$348,051 Land $81,000 Building $267,051
2024	$2,830.00 (+5.05%)
2023	$2,694.00 (+7.16%)	$344,163 (+10.51%) Land $76,000 Building $268,163	$344,163 (+10.51%) Land $76,000 Building $268,163
2022	$2,514.00	$311,434 Land $73,538 Building $237,896	$311,434 Land $73,538 Building $237,896

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 85 Tournament Ln in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1990.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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

Wildfire risk around 85 Tournament Ln is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tournament Ln

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