892 Whispering Creek Ave, Freeport, FL 32439 Property Records

Walton County property record for 892 Whispering Creek Ave, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,761 sqft · built 2022
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$377,000 (Oct 2022)
Tax Bill	$4,090 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-1S-19-23300-00A-0040`

Property Details

APN / Parcel Number

Primary APN	`03-1S-19-23300-00A-0040`
Alternative APN	`1004919`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,761 sqft Living Area
Gross Area	2,320 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Width	7.5 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1004919
Street Address	892 WHISPERING CREEK AVE
City	FREEPORT
State	FL
Zip	32439-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK A CROSS CREEK EST PHS 1 PB 18-74 OR 3179-2913 OR 3269-2451
Legal Range	19W
Legal Township	01S
Legal Section	03
Legal Subdivision	BLK A CROSS CREEK
Legal Block	A
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2007
Census Tract	950306

Owner

892 Whispering Creek Ave is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	892 WHISPERING CREEK AVE, FREEPORT, FL 32439-3123
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2022 · Amount on File
Deed Sale	Oct 10, 2022 · Amount on File
Deed Document Number	20220044967
Deed Book / Page	3269 / 2451
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 10, 2022
Property Address	892 WHISPERING CREEK AVE, FREEPORT, FL 32439-3123
Document Number	0032692451
Book / Page	3269 / 2451
Map Reference	MB 18 PG 74
Instrument Date	Oct 6, 2022
Instrument	20220044967
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	PARKWAY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,639.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3091 GOVERNORS LAKE DR # DR300, DR300, PEACHTREE CORNERS, GA 30071-1143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	892 WHISPERING CREEK AVE, FREEPORT, FL 32439-3123

Mortgage

Document Number	0032692453
Date	Oct 10, 2022
Book Page	3269/2453
Instrument	20220044968

Lender

Name	NORTH AMERICAN FINANCIAL CORP
Type	Funding / Finance Company
Address	HENDERSON, NV 89014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

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		$284,995 Land $30,000 Building $254,995	$284,995 Land $30,000 Building $254,995
2024	$4,090.00 (+0.25%)
2023	$4,080.00 (+1,439.62%)	$306,994 (+1,296.44%) Land $19,805 Building $287,189	$306,994 (+1,296.44%) Land $19,805 Building $287,189
2022	$265.00	$21,984 Land $21,984	$21,984 Land $21,984

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 892 Whispering Creek Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force

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 892 Whispering Creek Ave is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
CenturyLink Fiber	2,000 / 1,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20