Single-family home · Cross Creek Estates
328 Whispering Creek Ave
Parcel 03-1S-19-23300-00D-0030 · Cross Creek Estates
Value
County just value · 2026 preliminary
$251,765
Most of the change is the house itself: it was built in 2022, so the earlier figures are what the empty lot was worth. Land is 22% of it.
Last sold
$328,000
Mar 25, 2022$174 per adj. sq ft
Sale history
Sold for $328,000
Mar 25, 2022
Built
2022
Qualified, arm's-length sales in the state's records since 2021. A transfer between family members or a company reorganisation is not one.
Property details
Building
- Use
- Single-family home
- Adjusted area
- 1,888 adj. sq ft
- Year built
- 2022
- Buildings
- 1
Land
- Lot size
- 0.34 acres (14,810 sq ft)
- Neighborhood
- Cross Creek Estates
- Place
- Freeport, 32439
Tax roll
- Parcel
- 03-1S-19-23300-00D-0030
- Just value
- $251,765 (2026, preliminary)
- Land value
- $55,000
Adjusted area is the county's weighted size of everything built on the parcel: heated rooms count in full, and a garage, porch or other unheated space counts in part. It is usually larger than the heated living area a listing quotes.
Also on Redfin · Realtor.com · Walton County Property Appraiser parcel page
Redfin and Realtor.com open a search of their site for this address. These sites are not ours, and their figures can differ from the public records here.
County value over time
County value over time
This is just value: the property appraiser's estimate of what the property would sell for. It is not what anybody paid, and it is not the assessed or taxable value, which are just value after the caps and exemptions a particular owner qualifies for.
Each year is one Department of Revenue roll. A year we hold no roll for is left out rather than guessed, and the newest year is marked “preliminary” while it can still change.
The land figure is the roll's own; everything above it is the buildings and other improvements on the parcel.
Every year
| Year | Just value | Land |
|---|---|---|
| 2026 · preliminary | $251,765 | $55,000 |
| 2025 | $277,043 | $30,000 |
| 2024 | $296,282 | $19,805 |
| 2023 | $294,782 | $19,805 |
| 2022 | $21,984 | $21,984 |
2026 is still the preliminary roll, so that figure can change before the county finalises it.
Risk
Flood zone
Flood zone
This is where the lot sits on FEMA's flood map, including every map revision in effect, as of June 18, 2026.
High risk is FEMA's Special Flood Hazard Area (zones starting A or V): a 1% chance of flooding in any year. Moderate is a 0.2% chance (shaded X). Minimal is outside both (zone X).
A lot that crosses zones shows the highest risk covering at least 5% of it, so a sliver along a boundary does not change the headline.
It is not a flood insurance determination. A lender decides from where the building stands and its elevation, and an elevation certificate or a Letter of Map Amendment can change the answer for one building.
Whether flood insurance is required depends on where the building stands on the lot.
FEMA zones A 23% · X 77% · FEMA map as of June 18, 2026
Natural hazards
The ground at the middle of the lot is about 49 ft above sea level. That is the ground, not the floor of a building.
Highest risk ratings for this census tract
Hurricane: HighLightning: High
All 8 ratings
- HurricaneHigh
- Coastal floodingLow
- Inland floodingVery low
- Strong windLow
- TornadoModerate
- LightningHigh
- Heat waveLow
- WildfireLow
Ratings compare this tract with every tract in the country (FEMA says "relatively" high or low). Source: FEMA National Risk Index, December 2025, tract 12131950306. Elevation: USGS 3D Elevation Program (NAVD88).
Vacation rental
No licence foundNo state vacation-rental licence is matched to this address. We match about four in five licences to a parcel, so this is not proof there is none.
Nearby sales
The closest recorded sales of the same kind of property and a similar size.
- 344 Whispering Creek Ave2,058 adj. sq ft · Sold Dec 2022 · next door$339,000
- 310 Whispering Creek Ave1,655 adj. sq ft · Mar 17, 2022 · next door$305,000
- 290 Whispering Creek Ave2,058 adj. sq ft · Sold Mar 2022 · next door$351,000
- 311 Whispering Creek Ave2,025 adj. sq ft · Mar 17, 2022 · next door$365,000
- 355 Whispering Creek Ave1,671 adj. sq ft · Dec 31, 2021 · next door$317,000
Chosen by the same use, a similar size and how close they are — never by condition, view or anything inside a house, none of which the records tell us.
Nearby projects
Who lives in this area
Who lives in this area
A home counts as owner-occupied when it has a homestead exemption, which is the owner's own declaration to the county that the home is their permanent residence.
This is a share of every home in Cross Creek Estates, and it says nothing about this property. We never publish it for an area with fewer than 25 homes, because in a small enough group of houses a percentage points at a particular house.
The rest are second homes, holiday lets, rentals, and homes whose owners simply have not claimed the exemption. The records do not say which.
65% of the 131 homes in Cross Creek Estates are owner-occupied.
From homestead exemptions on the 2026 Preliminary roll. About the area, not about this property.
About this data
The property facts and the yearly values come from the Walton County property appraiser's roll as published by the Florida Department of Revenue. The sales are the Department's qualified sales, and the lot outline is the county's own parcel file.
Adjusted area is the county's weighted size of everything built on the parcel: heated rooms count in full, and a garage, porch or other unheated space counts in part. It is usually larger than the heated living area a listing quotes. The roll carries no separate heated area, bedroom or bathroom count.
We publish no owner name or mailing address anywhere on this site, and the files the site is built from do not contain them.
What a roll says is right as of the day the county sent it to the state, so a recent change — a house finished, a lot split — can take a year to appear. Sales are recorded months after they happen.
Values as of the 2026 roll · Recorded sales through Mar 25, 2022 · Independent, not an official city site · Source · Privacy · Terms