885 Alaqua Dr, Freeport, FL 32439 Property Records

Walton County property record for 885 Alaqua Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,300 sqft · built 1950
Lot Size	0.646 acres (28,140 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,838 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`13-1S-20-32010-003-0190`

Property Details

APN / Parcel Number

Primary APN	`13-1S-20-32010-003-0190`
Alternative APNs	`13-120-32010-003-0190` `1086216`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,300 sqft Living Area
Gross Area	5,968 sqft
1st Floor Area	1,440 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2010
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	28,140 sqft (0.646 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	240 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Deck Area	Deck Area
Arbor/Pergola	Arbor/Pergola
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	885 ALAQUA DR
City	FREEPORT
State	FL
Zip	32439-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYALAQ
Legal Description	BEG AT THE NW/C OF THE SW1/4 OF SEC 13-1S-20W, S ALG WEST BDRY LN OF SEC 2410FT, E 30FT TO POB, CONT E 120FT, S 120FT, W 120FT, N120 TO POB. OR 973-127 &-129 ALSO BEG AT NW/C OF THE SW1/4 OF SEC 13, S ALG WESTERN BDRY LN OF SEC 2530FT E 30FT TO POB C
Legal Range	020
Legal Township	01S
Legal Section	13
Legal Subdivision	BAYSHORE RESORT
Legal Block	301
Legal Lot Number	190
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	885 ALAQUA DR, FREEPORT, FL 32439-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit DELTA COMMUNITY CU
Apr 21, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 2, 2020	Quit Claim Deed, Transfer · VA Mortgage PENNYMAC
Oct 22, 2018	Warranty Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Oct 22, 2018	Warranty Deed, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020
Deed Sale	Jan 2, 2020
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	20209
Deed Book / Page	3129 / 10
Prior Transfer Date	Dec 24, 2019
Prior Transfer Doc	0031290010
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	885 ALAQUA DR, FREEPORT, FL 32439-2424
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 ALAQUA DR, FREEPORT, FL 32439-2424

Mortgage

Document Number	0032712647
Date	Oct 31, 2022
Book Page	3271/2647
Instrument	20220047883

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union
Address	PEACHTREE CITY, GA 30269

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 16, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	885 ALAQUA DR, FREEPORT, FL 32439-2424
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031934334
Date	Apr 21, 2021
Book Page	3193/4334
Instrument	20210019355

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jan 2, 2020
Property Address	885 ALAQUA DR, FREEPORT, FL 32439-2424
Document Number	0031290010
Book / Page	003129 / 000010
Instrument Date	Dec 24, 2019
Instrument	9
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	TITLE365/RECORDING DEPT

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	885 ALAQUA DR FREEPORT FL 324392424, FREEPORT, FL 32439-2424

Mortgage

Document Number	31290014
Date	Jan 2, 2020
Book Page	003129/000014
Instrument	10

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 22, 2018
Property Address	885 ALAQUA DR, FREEPORT, FL 32439-2424
Document Number	0030880294
Book / Page	3088 / 0294
Instrument Date	Oct 1, 2018
Instrument	2018000035229
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OLD SOUTH LAND TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 OPALINE DR, 1616, LANSING, MI 48917-9735

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	885 ALAQUA DR, FREEPORT, FL 32439-2424

Mortgage

Document Number	2018000035231
Date	Oct 22, 2018
Instrument	2018000035231

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 22, 2018
Property Address	885 ALAQUA DR, FREEPORT, FL 32439-2424
Document Number	0030880282
Book / Page	003088 / 000282
Instrument Date	Oct 1, 2018
Instrument	35221
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$617.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	885 ALAQUA DR FREEPORT FL 324392424, FREEPORT, FL 32439-2424

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	$3,838.00 (+1.62%) Homeowner's exemption	$484,913 (-20.15%)	$640,973 (+5.55%) Land $286,054 Building $354,919
2024	$3,777.00 (+3.56%)
2023	$3,647.00 (+0.69%) Homeowner's exemption	$607,286 (-2.15%) Land $237,303 Building $369,983	$607,286 (-2.15%) Land $237,303 Building $369,983
2022	$3,622.00 Homeowner's exemption	$620,639 Land $263,407 Building $357,232	$620,639 Land $263,407 Building $357,232

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 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 67% of the US · above 46% of Florida
Wildfire Likelihood	0.2% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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