86 Cypress Ln, Freeport, FL 32439 Property Records

Walton County property record for 86 Cypress Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,534 sqft · built 2006
Lot Size	0.636 acres (27,737 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Apr 2019)
Tax Bill	$2,441 (2024)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-1S-19-23101-00E-0080`

Property Details

APN / Parcel Number

Primary APN	`07-1S-19-23101-00E-0080`
Alternative APN	`1010017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,534 sqft Living Area
Gross Area	2,170 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,737 sqft (0.636 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1010017
Street Address	86 CYPRESS LN
City	FREEPORT
State	FL
Zip	32439-2751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK E MAGNOLIA LANDING PH II PB 14-94 OR 2498-74 OR 2638-107 OR 2735-3949 OR 2839-4809 OR 3103-1434
Legal Range	19W
Legal Township	01S
Legal Section	07
Legal Subdivision	MAGNOLIA LANDING PHASE II
Legal Phase	2
Legal Block	E
Legal Lot Number	8
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	2 Individual Names on Record
Mailing Address	PO BOX 338, FREEPORT, FL 32439-0338
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2017	Deed of Trust, Mortgage · FHA Mortgage NETWORK CAPITAL FUNDING CORP
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Apr 23, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2019 · Amount on Record
Deed Sale	Apr 23, 2019 · Amount on Record
Prior Sale	Apr 16, 2010 · Amount on Record
Deed Document Number	20190012746
Deed Book / Page	3103 / 1434
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	86 CYPRESS LN, FREEPORT, FL 32439-2751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030434155
Date	Jun 12, 2017
Book Page	3043/4155
Instrument	20170019049

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	86 CYPRESS LN, FREEPORT, FL 32439-2751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 MEADOW LAKE DR, FREEPORT, FL 32439-2347

Mortgage

Document Number	0031592769
Date	Sep 14, 2020
Book Page	3159/2769
Instrument	20200035784

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

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

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 23, 2019
Property Address	86 CYPRESS LN, FREEPORT, FL 32439-2751
Document Number	0031031434
Book / Page	003103 / 001434
Instrument Date	Apr 22, 2019
Instrument	12746
Transaction Type	Transfer
Record Updated	May 9, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 338 FREEPORT FL 324390338, FREEPORT, FL 32439-0338

Mortgage

Document Number	31031436
Date	Apr 23, 2019
Book Page	003103/001436
Instrument	12747

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

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		$200,180 (-0.63%) Land $35,200 Building $164,980	$200,180 (-0.63%) Land $35,200 Building $164,980
2024	$2,441.00 (+6.36%)
2023	$2,295.00 (+10.76%)	$201,442 (+8.39%) Land $32,613 Building $168,829	$201,442 (+8.39%) Land $32,613 Building $168,829
2022	$2,072.00	$185,842 Land $36,200 Building $149,642	$185,842 Land $36,200 Building $149,642

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 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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