979 State Hwy 20 E, Freeport, FL 32439 Property Records

Walton County property record for 979 State Hwy 20 E, Freeport, FL 32439

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 5,367 sqft · built 2000
Lot Size	1.38 acres (60,200 sqft)
Owner	Company Name on Record
Tax Bill	$12,540 (2024)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-1S-19-23000-017-0000`

Property Details

APN / Parcel Number

Primary APN	`14-1S-19-23000-017-0000`
Alternative APN	`1019742`

Interior

Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	5,367 sqft Living Area
Gross Area	10,176 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Steel Frame/Truss
Roof Material	Built-Up Asphalt
Lot Area	60,200 sqft (1.38 acres)
Lot Dimensions	28.3 ft deep x 21.3 ft wide
Porch	Porch
Porch Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1019742
Street Address	979 STATE HIGHWAY 20 E
City	FREEPORT
State	FL
Zip	32439-3933
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	3310
Legal Description	COM SE/COR OF NW1/4 OF SW1/4 SEC 14-1S-19W,S 89 DEG 25'W 186.34 FT,N 17 DEG 10'47E 106.55 FT,N 62 DEG 06'33W 297.25 FT,N 19
Legal Range	19W
Legal Township	01S
Legal Section	14
Legal Subdivision	ACREAGE & UNREC
Legal Block	17
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2069
Census Tract	950501

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	1614 LEWIS LAKE LN, MIDDLEBURG, FL 32068-4174
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2001
Deed Sale	Sep 27, 2001
Deed Document Number	0023531557
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	979 STATE HIGHWAY 20 E, FREEPORT, FL 32439-3933
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20411 W 12 MILE RD 200, 200, SOUTHFIELD, MI 48076-6405

Mortgage

Document Number	0032601809
Date	Jul 19, 2022
Book Page	3260/1809
Instrument	20220033166

Lender

Name	KEVIN DILLON
Type	Private Party
Address	4357 BARCHESTER DR, BLOOMFIELD HILLS, MI 48302

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$1,097,364 (-2.38%) Land $655,143 Building $442,221	$1,097,364 (-2.38%) Land $655,143 Building $442,221
2024	$12,540.00 (+4.81%)
2023	$11,964.00 (+20.12%)	$1,124,153 (+38.18%) Land $655,143 Building $469,010	$1,124,153 (+38.18%) Land $655,143 Building $469,010
2022	$9,960.00	$813,554 Land $295,902 Building $517,652	$813,554 Land $295,902 Building $517,652

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 38 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	68 (1990–2020)
Claims Outside the SFHA	15 of 68
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 11 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	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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