251 Grove Ln, Freeport, FL 32439 Property Records

Walton County property record for 251 Grove Ln, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 641 sqft · built 2019
Lot Size	0.443 acres (19,297 sqft)
Owner	Individual Name on File
Last Sale	$383,000 (Jan 2011)
Tax Bill	$4,539 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone AE (high risk)
APN	`33-1S-19-23000-023-0060`

Property Details

APN / Parcel Number

Primary APN	`33-1S-19-23000-023-0060`
Alternative APNs	`33-119-23000-023-0060` `1072885`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	641 sqft Living Area
Gross Area	1,476 sqft
1st Floor Area	2,268 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	19,297 sqft (0.443 acres)
Lot Dimensions	171 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	641 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	957 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	251 GROVE LN
City	FREEPORT
State	FL
Zip	32439-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYN
Legal Description	COM NE/COR OF LOT 3 THENCE N 89 DEG 27 MIN W 1607.76 FT; THENCE N 826.65 FT TO POB; THENCE S 79 DEG 56 MIN 20 SEC W 151.1 FT TO WATERS EDGE OF BAY; THENCE NWLY ALONG WATERS EDGE 106 FT; THENCE DEPARTING WATERS EDGE N 79 DEG 56 MIN 20 SEC E 190.75 FT
Legal Range	019
Legal Township	01S
Legal Section	33
Legal Subdivision	MALLET BAYOU
Legal Block	2300
Legal Lot Number	3
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

251 Grove Ln is owned and occupied by an individual who acquired it in August 2025.

Source: Walton County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	251 GROVE LN, FREEPORT, FL 32439-4805
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2011 · Amount on File
Deed Sale	Jan 27, 2011 · Amount on File
Prior Sale	Jun 2, 2004 · Amount on File
Deed Document Number	201144712
Deed Book / Page	2858 / 2660
Last Transfer Date	Aug 13, 2025
Transfer Doc	0033673224
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	251 GROVE LN, FREEPORT, FL 32439-4805
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033743958
Date	Oct 20, 2025
Book Page	3374/3958
Instrument	20250038172

Lender

Name	SOUTHERN INDEPENDENT BANK
Type	Bank
Address	ANDALUSIA, AL 36420

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 251 Grove Ln was $4,539, up 22.4% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$4,539.00 (+22.38%)	$541,739 (-) Land $398,268 Building $143,471	$541,739 (-) Land $398,268 Building $143,471
2024	$3,709.00 (+1.48%) Homeowner's exemption	$541,739 (-41.06%) Land $398,268 Building $143,471	$541,739 (-41.06%) Land $398,268 Building $143,471
2023	$3,655.00 (+0.58%) Homeowner's exemption	$919,176 (+6.69%) Land $398,268 Building $520,908	$919,176 (+6.69%) Land $398,268 Building $520,908
2022	$3,634.00 Homeowner's exemption	$861,544 Land $354,521 Building $507,023	$861,544 Land $354,521 Building $507,023

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

Flood

FEMA maps place 251 Grove Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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 251 Grove Ln is moderate, ranking above 55% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 33 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
Wildstar Networks Fixed Wireless	200 / 50