209 Bay Grove Rd, Freeport, FL 32439 Property Records

Walton County property record for 209 Bay Grove Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2004
Lot Size	0.321 acres (14,023 sqft)
Owner	Individual Name on File
Last Sale	$303,000 (Sep 2021)
Tax Bill	$2,098 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-1S-19-23031-000-0100`

Property Details

APN / Parcel Number

Primary APN	`33-1S-19-23031-000-0100`
Alternative APN	`1072985`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	2,103 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,023 sqft (0.321 acres)
Lot Dimensions	19 ft deep x 7.4 ft wide
Garage Type	Finished
Garage Area	240 sqft

Exterior Amenities

Porch	Porch
Porch Area	75 sqft
Deck Area	Deck Area
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1072985
Street Address	209 BAY GROVE RD
City	FREEPORT
State	FL
Zip	32439-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BRANDON OAKS PB 15-66 OR 2620-3180 OR 2893-49 OR 3163-43
Legal Range	19W
Legal Township	01S
Legal Section	33
Legal Subdivision	BRANDON OAKS
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1041
Census Tract	950502

Owner

209 Bay Grove Rd is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	209 BAY GROVE RD, FREEPORT, FL 32439-4833
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
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	Oct 6, 2020 · Amount on File
Deed Document Number	20210047137
Deed Book / Page	3217 / 277
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 20, 2021
Property Address	209 BAY GROVE RD, FREEPORT, FL 32439-4833
Document Number	0032170277
Book / Page	3217 / 277
Map Reference	MB 15 PG 66&66A
Instrument Date	Sep 15, 2021
Instrument	20210047137
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,121.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1325 HOLLYWOOD DR, MONROE, MI 48162-3023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 BAY GROVE RD, FREEPORT, FL 32439-4833

Mortgage

Document Number	0003217279
Date	Sep 20, 2021
Instrument	3217/279

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 6, 2020
Property Address	209 BAY GROVE RD, FREEPORT, FL 32439-4833
Document Number	0031630043
Book / Page	3163 / 43
Map Reference	MB 15 PG 66&66A
Instrument Date	Sep 23, 2020
Instrument	20200039469
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 BAY GROVE RD, 209, FREEPORT, FL 32439-4833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 HOLLYWOOD DR, MONROE, MI 48162-3023

Mortgage

Document Number	0000316345
Date	Oct 6, 2020
Instrument	3163/45

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

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		$264,679 Land $50,000 Building $214,679	$264,679 Land $50,000 Building $214,679
2024	$2,098.00 (-7.82%)
2023	$2,276.00 (+0.71%) Homeowner's exemption	$319,197 (+8.92%) Land $32,648 Building $286,549	$319,197 (+8.92%) Land $32,648 Building $286,549
2022	$2,260.00 Homeowner's exemption	$293,061 Land $36,239 Building $256,822	$293,061 Land $36,239 Building $256,822

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 209 Bay Grove Rd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1992–2021)
Claims Outside the SFHA	7 of 68
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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 209 Bay Grove Rd is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Grove Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures