980 Co Hwy 3280, Freeport, FL 32439 Property Records

Walton County property record for 980 Co Hwy 3280, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,155 sqft · built 2022
Lot Size	0.353 acres (15,389 sqft)
Owner	Individual Name on File
Last Sale	$669,000 (Nov 2022)
Tax Bill	$3,837 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24200-000-0140`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24200-000-0140`
Alternative APN	`1002773`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,155 sqft Living Area
Gross Area	3,249 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	15,389 sqft (0.353 acres)
Lot Dimensions	17.5 ft deep x 8.8 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002773
Street Address	980 COUNTY HIGHWAY 3280
City	FREEPORT
State	FL
Zip	32439-4780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BEAR CREEK PH I S/D PB 14-63 OR 2493-1718 OR 2638-1636 OR 2710-1023 OR 2711-4130 OR 2993-737 OR 3091-3147 OR 3158-1965
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK PH
Legal Phase	1
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
Census Tract	950501

Owner

980 Co Hwy 3280 is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
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

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 15, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 7, 2021	Warranty Deed, Transfer · Line of Credit AMERIS BANK
Sep 4, 2020	Warranty Deed, Transfer MCNEESE TITLE LLC
Dec 4, 2018	Warranty Deed, Transfer BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on File
Deed Sale	Nov 15, 2022 · Amount on File
Prior Sale	Jun 3, 2022 · Amount on File
Deed Document Number	20220049720
Deed Book / Page	3272 / 4481
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5159 CLARK STATION RD, FINCHVILLE, KY 40022-5763

Mortgage

Document Number	0032602886
Date	Jul 20, 2022
Book Page	3260/2886
Instrument	20220033450

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 15, 2022
Property Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
Document Number	0032724481
Book / Page	3272 / 4481
Map Reference	MB 14 PG 63-63A
Instrument Date	Nov 14, 2022
Instrument	20220049720
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,683.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 GRAYTON BAYOU DR, 55, SANTA ROSA BEACH, FL 32459-0814

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780

Mortgage

Document Number	0032724483
Date	Nov 15, 2022
Instrument	3272/4483

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 3, 2022
Property Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
Document Number	0032544212
Book / Page	3254 / 4212
Map Reference	MB 14 PG 63&63A
Instrument Date	Jun 1, 2022
Instrument	20220026188
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,444.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1127 COBB PKWY S, MARIETTA, GA 30060-9234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5159 CLARK STATION RD, FINCHVILLE, KY 40022-5763

Mortgage

Document Number	0032544214
Date	Jun 3, 2022
Instrument	3254/4214

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 7, 2021
Property Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
Document Number	0032011617
Book / Page	3201 / 1617
Map Reference	MB 14 PG 63&63A
Instrument Date	Jun 2, 2021
Instrument	20210028322
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$134.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 LOGAN LN STE 3, 3, SANTA ROSA BEACH, FL 32459-5780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 COBB PKWY S, MARIETTA, GA 30060-9234

Mortgage

Document Number	0032011619
Date	Jun 7, 2021
Instrument	3201/1619

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 5, 2022

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 4, 2020
Property Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
Document Number	0031581965
Book / Page	003158 / 001965
Instrument Date	Aug 28, 2020
Instrument	34328
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$224.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 LOGAN LN #3 SANTA ROSA BEACH FL 324595780, 3, SANTA ROSA BEACH, FL 32459-5780

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 4, 2018
Property Address	980 COUNTY HIGHWAY 3280, FREEPORT, FL 32439-4780
Document Number	0030913147
Book / Page	003091 / 003147
Instrument Date	Nov 30, 2018
Instrument	40156
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

Amount	Amount on Record
Tax	$119.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 NICHOLS RD FAIRFAX VT 054549612, FAIRFAX, VT 05454-9612

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$443,100 Land $70,000 Building $373,100	$443,100 Land $70,000 Building $373,100
2024	$3,837.00 (+8.36%)
2023	$3,541.00 (+737.12%)	$416,760 (+739.78%) Land $50,000 Building $366,760	$416,760 (+739.78%) Land $50,000 Building $366,760
2022	$423.00	$49,627 Land $49,627	$49,627 Land $49,627

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 980 Co Hwy 3280 in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 58 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	76 (1978–2023)
Claims Outside the SFHA	18 of 76
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 26 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 10 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

Wildfire risk around 980 Co Hwy 3280 is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 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

May also be available: AT&T, CenturyLink.

Nearby Properties on Co Hwy 3280

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