Walton County property record for 644 Bay Grove Rd, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,761 sqft · built 1984 |
| Lot Size | 0.314 acres (13,685 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $900,000 (May 2025) |
| Tax Bill | $3,889 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 33-1S-19-23000-001-0100 |
| Primary APN | 33-1S-19-23000-001-0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,761 sqft Living Area |
| Gross Area | 2,229 sqft |
| 1st Floor Area | 1,761 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 13,685 sqft (0.314 acres) |
| Lot Width | 85 ft Width |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 644 BAY GROVE RD |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BYMALL |
| Legal Description | COM SW/COR OF GOVT LOT 1 SEC 33-1S-19W, N ALG W LN OF GOV LOT 1 862.96FT TO NLY ROW LN CO RD, S 63 DEG 0003E ALG ROW LN 1114FT TO PT CURVE, DELTA ANGLE 45 DEG LEFT, RADIUS 1235.88 FT, ALG CURVE 972.84FT TO PT REVERSE CURVE, DELTA ANGLE 62 DEG RIGHT, |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | MALLET BAYOU |
| Legal Block | 101 |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 950502 |
Source: Walton County records, as of December 3, 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 |
|---|---|
| Mailing Address | PO BOX 310570, ENTERPRISE, AL 36331-0570 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2025 · Amount on Record |
| Deed Sale | May 7, 2025 · Amount on Record |
| Prior Sale | Apr 6, 2023 · Amount on Record |
| Deed Document Number | 202515863 |
| Deed Book / Page | 3357 / 4568 |
| Prior Transfer Date | Sep 9, 2022 |
| Prior Transfer Doc | 0000040676 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 6, 2023 |
| Property Address | 644 BAY GROVE RD, FREEPORT, FL 32439-4809 |
| Document Number | 0032854191 |
| Book / Page | 3285 / 4191 |
| Instrument Date | Apr 5, 2023 |
| Instrument | 20230011891 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2023 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 91 ANDY DR, FREEPORT, FL 32439-3522 |
| Name | Verified Name |
|---|---|
| Address | 644 BAY GROVE RD, FREEPORT, FL 32439-4809 |
| Document Number | 0032854193 |
|---|---|
| Date | Apr 6, 2023 |
| Instrument | 3285/4193 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,889.00 (+9.61%) | $467,625 (+28.6%) Land $285,600 Building $182,025 | $467,625 (+28.6%) Land $285,600 Building $182,025 |
| 2024 | $3,548.00 (+155.62%) | ||
| 2023 | $1,388.00 (-1.7%) Homeowner's exemption | $363,637 (+9.26%) Land $242,250 Building $121,387 | $363,637 (+9.26%) Land $242,250 Building $121,387 |
| 2022 | $1,412.00 Homeowner's exemption | $332,815 Land $219,067 Building $113,748 | $332,815 Land $219,067 Building $113,748 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 8.0 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
May also be available: CenturyLink.
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