2722 Bay Grove Rd, Freeport, FL 32439 Property Records

Walton County property record for 2722 Bay Grove Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,053 sqft · built 1970
Lot Size	0.505 acres (22,041 sqft)
Owner	Company Name on Record
Tax Bill	$6,603 (2024)
Deeds & Mortgages	Oct 2024 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`04-2S-19-24010-001-0220`

Property Details

APN / Parcel Number

Primary APN	`04-2S-19-24010-001-0220`
Alternative APN	`1007030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,053 sqft Living Area
Gross Area	3,664 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,041 sqft (0.505 acres)
Lot Dimensions	24.5 ft deep x 9 ft wide
Garage Type	Finished
Garage Area	672 sqft

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	843 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1007030
Street Address	2722 BAY GROVE RD
City	FREEPORT
State	FL
Zip	32439-4820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYN
Legal Description	E1/2 LOT 22 BLK 1 AND ALL OF LOT 23 BLK 1 BAY GROVE S/D PB 2-48 OR 30-190 OR 2427-787 OR 2978-3204 OR 3028-3311 OR 3211-4521
Legal Range	19W
Legal Township	02S
Legal Section	04
Legal Subdivision	BAY GROVE S/D
Legal Block	1
Legal Lot Number	22-23
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	12034 RIDGEFIELD DR, FORT SMITH, AR 72916-8419
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2024	Deed of Trust, Mortgage · Line of Credit ARMSTRONG BANK
Mar 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ARMSTRONG BANK
Aug 17, 2021	Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 6, 2017	Deed of Trust, Mortgage · Line of Credit HANCOCK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022
Deed Sale	Mar 21, 2022
Prior Sale	Aug 17, 2021 · Amount on Record
Deed Document Number	20220013422
Deed Book / Page	3244 / 931
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2722 BAY GROVE RD, FREEPORT, FL 32439-4820
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12034 RIDGEFIELD DR, FORT SMITH, AR 72916-8419

Mortgage

Document Number	0033381833
Date	Oct 8, 2024
Book Page	3338/1833
Instrument	20240035322

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	FORT SMITH, AR 72903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2034

Interest

Rate Type	Adjustable Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 21, 2022
Property Address	2722 BAY GROVE RD, FREEPORT, FL 32439-4820
Document Number	0032440931
Book / Page	3244 / 931
Map Reference	MB 2 PG 48
Instrument Date	Mar 17, 2022
Instrument	20220013422
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	RODGERS KIEFER TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12034 RIDGEFIELD DR, 12034, FORT SMITH, AR 72916-8419

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12034 RIDGEFIELD DR, FORT SMITH, AR 72916-8419

Mortgage

Document Number	0003244935
Date	Mar 21, 2022
Instrument	3244/935

Lender

Name	ARMSTRONG BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 17, 2021
Property Address	2722 BAY GROVE RD, FREEPORT, FL 32439-4820
Document Number	0032114521
Book / Page	3211 / 4521
Map Reference	MB 2 PG 48
Instrument Date	Aug 16, 2021
Instrument	20210040988
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Tax	$7,556.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4455 LEESBURG RD, 4455, MARIETTA, GA 30066-2446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12034 RIDGEFIELD DR, FORT SMITH, AR 72916-8419

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2722 BAY GROVE RD, FREEPORT, FL 32439-4820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031583330
Date	Sep 8, 2020
Book Page	3158/3330
Instrument	20200034608

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2722 BAY GROVE RD, FREEPORT, FL 32439-4820
Document Number	0030323807
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2722 BAY GROVE RD FREEPORT FL 324394820, FREEPORT, FL 32439-4820

Mortgage

Document Number	0030323807
Date	Feb 6, 2017
Book Page	003032/003807
Instrument	3788

Lender

Name	HANCOCK BK
Type	Bank
Address	PENSACOLA, FL 32504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 5, 2042

Interest

Rate Type	Adjustable Rate

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		$778,875 (-1.7%) Land $486,540 Building $292,335	$778,875 (-1.7%) Land $486,540 Building $292,335
2024	$6,603.00 (-0.93%)
2023	$6,665.00 (+5.88%)	$792,362 (+8.76%) Land $486,540 Building $305,822	$792,362 (+8.76%) Land $486,540 Building $305,822
2022	$6,295.00	$728,522 Land $433,066 Building $295,456	$728,522 Land $433,066 Building $295,456

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 73 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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