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Single Family ResidenceResidential
$344,226$194 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $324,900 on Jan 27, 2025

124 SPECKLED TROUT LN N

FREEPORT, FL 32439
3
Beds
2
Baths
1,772 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$344K
$318K low$370K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$324,900 · Jan 27, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$99,326
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$79,461
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.72%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$244,900
DHI MORTGAGE COMPANY LTD · recorded Jan 27, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$460 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$265,084 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,175
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$229,909
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$35,175
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$265,084

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWalton
Lot (acres)The size of the land the home sits on, from county records.0.12
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Freeport Middle SchoolB+
Middle · Grades 6–8 · 1.3 mi
E
Freeport Elementary SchoolB-
Elementary · Grades PK–5 · 1.8 mi
H
Freeport High SchoolA-
High · Grades 9–12 · 4.3 mi

District: Walton County School District

Neighborhood · ZIP 32439These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.11,215
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.54 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,642
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,194
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

124 Speckled Trout Ln N measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 80% of homes in Walton County
  • Costs less per square foot than 80% of homes in Walton County
  • Has a smaller lot than 94% of homes in Freeport 32439
  • Newer than 98% of homes in Walton County

What homes are worth in Freeport 32439

Each bar is how many homes fall in that price range. The marker is this home.

This home
$190K$1.2M

This home is worth more than 26% of homes in Freeport 32439.

How it measures up in Freeport 32439

The dot is this home. The mark in the middle is the typical home in Freeport 32439.

Estimated value$344,226
CheaperTypical $425,005Pricier

Pricier than 26% of homes nearby

Price per ft²$194
CheaperTypical $219Pricier

Pricier than 24% of homes nearby

Living area1,772 ft²
SmallerTypical 1,811 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.12 ac
SmallerTypical 0.32 acBigger

Bigger than 6% of homes nearby

Year built2024
OlderTypical 2017Newer

Newer than 96% of homes nearby

How 124 Speckled Trout Ln N ranks against every home in each area.
MeasureThis homeFreeport 32439Walton County
Estimated valuepricier than$344,22626% of homes20% of homes
Price per ft²pricier than$19424% of homes20% of homes
Living areabigger than1,772 ft²46% of homes45% of homes
Lot sizebigger than0.12 ac6% of homes35% of homes
Year builtnewer than202496% of homes98% of homes

About 124 Speckled Trout Ln N

How much is 124 Speckled Trout Ln N, Freeport, FL worth?

The TopHap Estimate for 124 Speckled Trout Ln N, Freeport, FL is $344,226 as of Jul 14, 2026. The likely range is $318,288 to $370,164. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 124 Speckled Trout Ln N, Freeport, FL last sell?

124 Speckled Trout Ln N, Freeport, FL last sold on Jan 27, 2025 for $324,900, according to the county's recorded deed.

How big is 124 Speckled Trout Ln N, Freeport, FL?

124 Speckled Trout Ln N, Freeport, FL has 3 bedrooms, 2 bathrooms, 1,772 square feet of living space and a 0.12-acre lot.

When was 124 Speckled Trout Ln N, Freeport, FL built?

124 Speckled Trout Ln N, Freeport, FL was built in 2024, making it 2 years old. The building has 1 story.

What schools serve 124 Speckled Trout Ln N, Freeport, FL?

124 Speckled Trout Ln N, Freeport, FL is assigned to Freeport Middle School (middle), rated B+; Freeport Elementary School (elementary), rated B-; Freeport High School (high), rated A-. All sit in Walton County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 124 Speckled Trout Ln N, Freeport, FL compare to other homes in Freeport 32439?

Among the 8,187 homes in Freeport 32439, it is worth more than 26% of them ($344,226 against a typical $425,005), its price per square foot is higher than 24% of them ($194 against a typical $219), it is bigger than 46% of them (1,772 ft² against a typical 1,811 ft²), its lot is bigger than 6% of them (0.12 ac against a typical 0.32 ac) and it is newer than 96% of them (2024 against a typical 2017). Measured against all of Walton County, it is worth more than 20% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 124 Speckled Trout Ln N, Freeport, FL?

The 2024 property tax bill for 124 Speckled Trout Ln N, Freeport, FL was $460. The county assessed it at $265,084.

Closest homes

More homes in Freeport 32439

Assigned schools

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