Walton County property record for 37 Bay Cv, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,310 sqft · built 1991 |
| Lot Size | 0.505 acres (21,987 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Dec 2012) |
| Tax Bill | $2,373 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-1S-20-32070-000-0200 |
| Primary APN | 19-1S-20-32070-000-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,310 sqft Living Area |
| Gross Area | 3,203 sqft |
| 1st Floor Area | 2,310 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,987 sqft (0.505 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 125 sqft |
| Deck Area | Deck Area |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 37 BAY CV |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-2133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 INDIAN BAY OR 768-240 PB 8-26 OR 2663-1739 OR 2906-1121 OR 3026-1827 |
| Legal Range | 020 |
| Legal Township | 01S |
| Legal Section | 19 |
| Legal Subdivision | INDIAN BAY S/D |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 950502 |
Source: Walton County records · APN 19-1S-20-32070-000-0200
Assessment roll updated December 3, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2026 | Deed of Trust · Line of Credit FIGURE LENDING LLC |
| Apr 08, 2026 | Deed of Trust · Line of Credit FIGURE LENDING LLC |
| Apr 06, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 08, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 03, 2012 · Amount on Record |
| Deed Sale | Dec 03, 2012 · Amount on Record |
| Prior Sale | Apr 08, 2005 · Amount on Record |
| Deed Document Number | 201218113 |
| Deed Book / Page | 2906 / 1121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 06, 2026 |
| Property Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0000013154 |
| Book / Page | 3393 / 2118 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202613154 |
| Record Updated | Apr 17, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0000013154, |
|---|---|
| Date | Apr 06, 2026 |
| Book Page | 3393/2118 |
| Instrument | 202613154 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 24, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 08, 2026 |
| Property Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0000013574 |
| Book / Page | 3393 / 3618 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202613574 |
| Record Updated | Apr 17, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0000013574, |
|---|---|
| Date | Apr 08, 2026 |
| Book Page | 3393/3618 |
| Instrument | 202613574 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 24, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 06, 2026 |
| Property Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0033932118 |
| Book / Page | 3393 / 2118 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202613154 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0000013154, |
|---|---|
| Date | Apr 06, 2026 |
| Book Page | 3393/2118 |
| Instrument | 202613154 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 24, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 08, 2026 |
| Property Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0033933618 |
| Book / Page | 3393 / 3618 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202613574 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 37 BAY CV, FREEPORT, FL 32439-2133 |
| Document Number | 0000013574, |
|---|---|
| Date | Apr 08, 2026 |
| Book Page | 3393/3618 |
| Instrument | 202613574 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 24, 2046 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,373.00 (+2.37%) | $292,939 (-1.95%) Land $85,595 Building $207,344 | $292,939 (-1.95%) Land $85,595 Building $207,344 |
| 2024 | $2,318.00 (+3.9%) | ||
| 2023 | $2,231.00 (+0.09%) | $298,773 (-1.55%) Land $85,595 Building $213,178 | $298,773 (-1.55%) Land $85,595 Building $213,178 |
| 2022 | $2,229.00 | $303,484 Land $95,010 Building $208,474 | $303,484 Land $95,010 Building $208,474 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 57 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 57 in force |
| Nearby Flood Claims | 115 (1994–2020) |
| Claims Outside the SFHA | 38 of 115 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 30 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH BAY WATER SYSTEM serves 3,171 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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