88 Spruce St, Freeport, FL 32439 Property Records

Walton County property record for 88 Spruce St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,221 sqft · built 2022
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-1S-21-41010-002-0050`

Property Details

APN / Parcel Number

Primary APN	`28-1S-21-41010-002-0050`
Alternative APN	`28-121-41010-002-0050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,221 sqft Living Area
Gross Area	3,410 sqft
1st Floor Area	2,221 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	567 sqft
Porch	Patio

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	88 SPRUCE ST
City	FREEPORT
State	FL
Zip	32439-6699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 2 CHEROKEE S/D PB 2-72 OR 2896-2323 OR 3097-528 OR 3135-3438 OR 3136-3350
Legal Range	021
Legal Township	01S
Legal Section	28
Legal Subdivision	CHEROKEE
Legal Block	2
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1028
Census Tract	950306

Owner

Source: Walton County records · APN 28-1S-21-41010-002-0050

Assessment roll updated December 3, 2025 · Last verified July 2026

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 File
Mailing Address	88 SPRUCE ST, FREEPORT, FL 32439-6699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Nov 18, 2020
Property Address	88 SPRUCE ST, FREEPORT, FL 32439-6699
Document Number	0031692917
Book / Page	003169 / 002917
Instrument Date	Nov 16, 2020
Instrument	47091
Transaction Type	Construction Loan
Record Updated	Dec 04, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 SOUTHLAKE CT NICEVILLE FL 325784192, NICEVILLE, FL 32578-4192

Mortgage

Document Number	31692917
Date	Nov 18, 2020
Book Page	003169/002917
Instrument	47091

Lender

Name	PROGRESS BK&TR
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,275.00 (-11.89%) Homeowner's exemption	$304,470 (-9.78%) Land $46,875 Building $257,595	$304,470 (-9.78%) Land $46,875 Building $257,595
2024	$2,582.00 (+0.39%)
2023	$2,572.00 (+721.73%) Homeowner's exemption	$337,491 (+759.43%) Land $46,875 Building $290,616	$337,491 (+759.43%) Land $46,875 Building $290,616
2022	$313.00	$39,269 Land $39,269	$39,269 Land $39,269

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2017–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

Wildfire

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Spectrum.

Based on FCC filings for 91 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LAKE SHARON ESTATES private · serves 160 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Also Mapped Here	NORTH BAY WATER SYSTEM
Lead	1 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.