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Single Family ResidenceResidential
$358,790$210 / 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 96How 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 $379,500 on Jun 15, 2023

245 SPECKLED TROUT LN N

FREEPORT, FL 32439
3
Beds
2
Baths
1,706 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$359K
$345K low$373K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$379,500 · Jun 15, 2023
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.$55,265
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$44,212
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.90%
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.$303,525
OPEN MORTGAGE LLC · recorded Jun 15, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,911 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$268,320 (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.$233,145
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$296,453
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$268,320

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.7 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.0.15
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

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

245 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 78% of homes in Walton County
  • Costs less per square foot than 75% of homes in Walton County
  • Has a smaller lot than 85% of homes in Freeport 32439
  • Newer than 95% 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
$183K$1.2M

This home is worth more than 29% 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$358,790
CheaperTypical $425,346Pricier

Pricier than 29% of homes nearby

Price per ft²$210
CheaperTypical $219Pricier

Pricier than 40% of homes nearby

Living area1,706 ft²
SmallerTypical 1,818 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.15 ac
SmallerTypical 0.32 acBigger

Bigger than 15% of homes nearby

Year built2023
OlderTypical 2017Newer

Newer than 89% of homes nearby

How 245 Speckled Trout Ln N ranks against every home in each area.
MeasureThis homeFreeport 32439Walton County
Estimated valuepricier than$358,79029% of homes22% of homes
Price per ft²pricier than$21040% of homes25% of homes
Living areabigger than1,706 ft²41% of homes42% of homes
Lot sizebigger than0.15 ac15% of homes42% of homes
Year builtnewer than202389% of homes95% of homes

About 245 Speckled Trout Ln N

How much is 245 Speckled Trout Ln N, Freeport, FL worth?

The TopHap Estimate for 245 Speckled Trout Ln N, Freeport, FL is $358,790 as of Jul 14, 2026. The likely range is $344,874 to $372,706. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 245 Speckled Trout Ln N, Freeport, FL last sell?

245 Speckled Trout Ln N, Freeport, FL last sold on Jun 15, 2023 for $379,500, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 245 Speckled Trout Ln N, Freeport, FL?

245 Speckled Trout Ln N, Freeport, FL has 3 bedrooms, 2 bathrooms, 1,706 square feet of living space and a 0.15-acre lot.

When was 245 Speckled Trout Ln N, Freeport, FL built?

245 Speckled Trout Ln N, Freeport, FL was built in 2023, making it 3 years old. The building has 1 story.

What schools serve 245 Speckled Trout Ln N, Freeport, FL?

245 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 245 Speckled Trout Ln N, Freeport, FL compare to other homes in Freeport 32439?

Among the 8,185 homes in Freeport 32439, it is worth more than 29% of them ($358,790 against a typical $425,346), its price per square foot is higher than 40% of them ($210 against a typical $219), it is bigger than 41% of them (1,706 ft² against a typical 1,818 ft²), its lot is bigger than 15% of them (0.15 ac against a typical 0.32 ac) and it is newer than 89% of them (2023 against a typical 2017). Measured against all of Walton County, it is worth more than 22% 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 245 Speckled Trout Ln N, Freeport, FL?

The 2025 property tax bill for 245 Speckled Trout Ln N, Freeport, FL was $2,911. The county assessed it at $268,320.

Closest homes

More homes in Freeport 32439

Assigned schools

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