94 Prospect St, Freeport, FL 32439 Property Records

Walton County property record for 94 Prospect St, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 2021
Lot Size	0.467 acres (20,376 sqft)
Owner	Company Name on Record
Last Sale	$405,000 (Sep 2023)
Tax Bill	$4,018 (2024)
Deeds & Mortgages	Sep 2023 Sale Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-1S-19-23080-000-0060`

Property Details

APN / Parcel Number

Primary APN	`15-1S-19-23080-000-0060`
Alternative APN	`1022636`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,754 sqft Living Area
Gross Area	2,438 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,376 sqft (0.467 acres)
Garage Type	Finished
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1022636
Street Address	94 PROSPECT ST
City	FREEPORT
State	FL
Zip	32439-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 PROSPECT PARK S/D PB 17-37 OR 2933-545 OR 3038-3908 OR 3214-2783 OR 3303-1507
Legal Range	19W
Legal Township	01S
Legal Section	15
Legal Subdivision	PROSPECT PARK
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1008
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	Company Name on Record
Mailing Address	2807 BELKNAP AVE, NORMAN, OK 73072-6642
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Warranty Deed, Transfer TRIAD NATIONAL TITLE LLC, TIAGO NATIONAL TITLE LLC
Sep 2, 2021	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Apr 27, 2020	Deed of Trust, Mortgage FIRST CTY BK/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2023 · Amount on Record
Deed Sale	Sep 27, 2023 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	20230034961
Deed Book / Page	3303 / 1507
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 27, 2023
Property Address	94 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0033031507
Book / Page	3303 / 1507
Map Reference	MB 17 PG 37
Instrument Date	Sep 22, 2023
Instrument	20230034961
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	TRIAD NATIONAL TITLE LLC, TIAGO NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 909, NICEVILLE, FL 32588-0909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 BELKNAP AVE, NORMAN, OK 73072-6642

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 2, 2021
Property Address	94 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0032142783
Book / Page	3214 / 2783
Map Reference	MB 17 PG 37
Instrument Date	Aug 27, 2021
Instrument	20210044145
Transaction Type	Transfer
Record Updated	Dec 18, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,513.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1269 OLD MONROE MADISON HWY, MONROE, GA 30655-7239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 102ND ST S, TACOMA, WA 98444-2732

Mortgage

Document Number	0032142785
Date	Sep 2, 2021
Instrument	3214/2785

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	94 PROSPECT ST, FREEPORT, FL 32439-3802
Document Number	0031410676
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1269 OLD MONROE MADISON HWY MONROE GA 306557239, MONROE, GA 30655-7239

Mortgage

Document Number	0031410676
Date	Apr 29, 2020
Book Page	003141/000676
Instrument	14530

Lender

Name	FIRST CTY BK/FL
Type	Bank
Address	FORT WALTON BEACH, FL 32548-5552

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 28, 2040

Interest

Rate Type	Adjustable Rate

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		$309,805 (+21%) Land $30,800 Building $279,005	$309,805 (+21%) Land $30,800 Building $279,005
2024	$4,018.00 (+40.05%)
2023	$2,869.00 (-19.25%) Homeowner's exemption	$256,037 (-5.95%) Land $22,488 Building $233,549	$256,037 (-5.95%) Land $22,488 Building $233,549
2022	$3,553.00	$272,228 Land $24,962 Building $247,266	$272,228 Land $24,962 Building $247,266

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 126 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1992–2021)
Claims Outside the SFHA	7 of 68
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 101 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, CenturyLink.

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