40 Island Grove Dr, Freeport, FL 32439 Property Records

Walton County property record for 40 Island Grove Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,399 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (May 2013)
Tax Bill	$3,005 (2025)
Deeds & Mortgages	Jun 2024 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`29-1S-19-23010-00D-0010`

Property Details

APN / Parcel Number

Primary APN	`29-1S-19-23010-00D-0010`
Alternative APNs	`29-119-23010-00D-0010` `1062435`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,399 sqft Living Area
Gross Area	3,694 sqft
1st Floor Area	975 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	475 sqft
Porch	Finished/Open Porch
Porch Area	820 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	40 ISLAND GROVE DR
City	FREEPORT
State	FL
Zip	32439-3700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 1 BLK D CROSS CREEK SHORES PB 7-37 OR 399-293 OR 2524-761 OR 2817-1476 OR 2919-1921 OR 3021-56 OR 3297-3105
Legal Range	019
Legal Township	01S
Legal Section	29
Legal Subdivision	CROSS CREEK SHORES
Legal Block	D
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2090
Census Tract	950502

Owner

40 Island Grove Dr is owned by two individuals who acquired it in March 2016.

Source: Walton County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	81 GRAND FLORA WAY, SANTA ROSA BEACH, FL 32459-6880
Owner Type	Individual
Vesting	Life Estate

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
Jun 28, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 1, 2023	Special Warranty Deed, Transfer · FHA Mortgage ENDEAVOR CAPITAL LLC
Jul 11, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2013 · Amount on File
Deed Sale	May 8, 2013 · Amount on File
Prior Sale	May 20, 2009 · Amount on File
Deed Document Number	20131236966
Deed Book / Page	2919 / 1921
Last Transfer Date	Mar 15, 2016
Transfer Doc	0030210056
Record Updated	Sep 20, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	40 ISLAND GROVE DR, FREEPORT, FL 32439-3700
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ISLAND GROVE DR, FREEPORT, FL 32439-3700

Mortgage

Document Number	0033290115
Date	Jun 28, 2024
Book Page	3329/115
Instrument	20240022925

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Aug 1, 2053

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 1, 2023
Property Address	40 ISLAND GROVE DR, FREEPORT, FL 32439-3700
Document Number	0032973105
Book / Page	3297 / 3105
Map Reference	MB 7 PG 37
Instrument Date	Jul 31, 2023
Instrument	20230027434
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,123.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 S SANGAMON ST, LINCOLN, IL 62656-2014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ISLAND GROVE DR, FREEPORT, FL 32439-3700

Mortgage

Document Number	0032973107
Date	Aug 1, 2023
Instrument	3297/3107

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 11, 2023
Property Address	40 ISLAND GROVE DR, FREEPORT, FL 32439-3700
Document Number	0032951355
Book / Page	3295 / 1355
Map Reference	MB 7 PG 37
Instrument Date	Jul 7, 2023
Instrument	20230024320
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 GRAND FLORA WAY, SANTA ROSA BEACH, FL 32459-6880

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	81 GRAND FLORA WAY, SANTA ROSA BEACH, FL 32459-6880

Tax Assessment & Valuation

The 2025 property tax bill for 40 Island Grove Dr was $3,005, down 23.2% 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	$3,005.00 (-23.22%)	$355,566 Land $55,800 Building $299,766	$355,566 Land $55,800 Building $299,766
2024	$3,914.00 (+29.69%)
2023	$3,018.00 (+7.06%)	$446,565 (+10.37%) Land $37,893 Building $408,672	$446,565 (+10.37%) Land $37,893 Building $408,672
2022	$2,819.00	$404,620 Land $42,061 Building $362,559	$404,620 Land $42,061 Building $362,559

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

Flood

FEMA maps place 40 Island Grove Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 296 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	296 in force
Nearby Flood Claims	56 (1989–2020)
Claims Outside the SFHA	8 of 56
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 12 claims Hurricane Frances, Sep 2004 · 18 claims Hurricane Opal, Oct 1995 · 13 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 40 Island Grove Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Verizon, Wildstar Networks.

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