56 Bay Cv, Freeport, FL 32439 Property Records

Walton County property record for 56 Bay Cv, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,793 sqft · built 1997
Lot Size	0.5 acres (21,821 sqft)
Owner	Individual Name on Record
Last Sale	$382,500 (Jun 2019)
Tax Bill	$2,271 (2024)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-1S-20-32070-000-0220`

Property Details

APN / Parcel Number

Primary APN	`19-1S-20-32070-000-0220`
Alternative APN	`1032276`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,793 sqft Living Area
Gross Area	4,340 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	21,821 sqft (0.5 acres)
Garage Type	Finished
Garage Area	1,035 sqft

Exterior Amenities

Porch	Porch
Porch Area	512 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1032276
Street Address	56 BAY CV
City	FREEPORT
State	FL
Zip	32439-2132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 INDIAN BAY S/D PB 8-26 OR 914-186 OR 1401-82 OR 1941-254 OR 2439-1698 OR 2982-4746 OR 3020-1676 OR 3107-3923
Legal Range	20W
Legal Township	01S
Legal Section	19
Legal Subdivision	INDIAN BAY S/D
Legal Lot Number	22
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3013
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	56 BAY CV, FREEPORT, FL 32439-2132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Prior Sale	Sep 12, 2016 · Amount on Record
Deed Document Number	20190018637
Deed Book / Page	3107 / 3923
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 7, 2019
Property Address	56 BAY CV, FREEPORT, FL 32439-2132
Document Number	0031073923
Book / Page	3107 / 3923
Map Reference	MB 8 PG 26
Instrument Date	Jun 6, 2019
Instrument	20190018637
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,677.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1633 WINGFIELD DR, 1633, BIRMINGHAM, AL 35242-5849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 SANDY KAY RD, BIG ROCK, TN 37023-3102

Mortgage

Document Number	0031073925
Date	Jun 7, 2019
Instrument	3107/3925

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$427,982 (-1.72%) Land $85,595 Building $342,387	$427,982 (-1.72%) Land $85,595 Building $342,387
2024	$2,271.00 (+3.75%)
2023	$2,189.00 (+0.74%) Homeowner's exemption	$435,462 (-0.34%) Land $85,595 Building $349,867	$435,462 (-0.34%) Land $85,595 Building $349,867
2022	$2,173.00 Homeowner's exemption	$436,963 Land $95,010 Building $341,953	$436,963 Land $95,010 Building $341,953

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 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	Hurricane Sally, Sep 2020 · 17 claims Hurricane Frances, Sep 2004 · 44 claims Hurricane Opal, Oct 1995 · 27 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	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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