65 Island Grove Dr, Freeport, FL 32439 Property Records

Walton County property record for 65 Island Grove Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,618 sqft · built 2007
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$352,500 (Jul 2020)
Tax Bill	$3,041 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`29-1S-19-23010-00D-0380`

Property Details

APN / Parcel Number

Primary APN	`29-1S-19-23010-00D-0380`
Alternative APNs	`29-119-23010-00D-0380` `1062468`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,618 sqft Living Area
Gross Area	3,866 sqft
1st Floor Area	1,708 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	844 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	65 ISLAND GROVE DR
City	FREEPORT
State	FL
Zip	32439-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 38 BLK D CROSS CREEK SHORES S/D PB 7-37 & INT IN COMMON ELEMENTS AS RECD IN OR 399-293 OR 2524-761 OR 2820-4490 OR 3149-3720
Legal Range	019
Legal Township	01S
Legal Section	29
Legal Subdivision	CROSS CREEK SHORES
Legal Block	D
Legal Lot Number	38
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2090
Census Tract	950502

Owner

65 Island Grove Dr is owned and occupied by two individuals who bought it in July 2020.

Source: Walton County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	65 ISLAND GROVE DR, FREEPORT, FL 32439-3703
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 27, 2022	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 9, 2020	Warranty Deed, Transfer · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Dec 26, 2018	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Prior Sale	Jul 7, 2009 · Amount on File
Deed Document Number	202024310
Deed Book / Page	3149 / 3720
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	65 ISLAND GROVE DR, FREEPORT, FL 32439-3703
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 ISLAND GROVE DR, FREEPORT, FL 32439-3703

Mortgage

Document Number	0032762293
Date	Dec 27, 2022
Book Page	3276/2293
Instrument	20220054595

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Jul 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 9, 2020
Property Address	65 ISLAND GROVE DR, FREEPORT, FL 32439-3703
Document Number	0031493720
Book / Page	3149 / 3720
Map Reference	MB 7 PG 37
Instrument Date	Jun 11, 2020
Instrument	20200024310
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	COASTAL LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,467.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 ISLAND GROVE DR, 65, FREEPORT, FL 32439-3703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 ISLAND GROVE DR, FREEPORT, FL 32439-3703

Mortgage

Document Number	0031493722
Date	Jul 9, 2020
Instrument	3149/3722

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	65 ISLAND GROVE DR, FREEPORT, FL 32439-3703
Document Number	0030950905
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 ISLAND GROVE DR FREEPORT FL 324393703, FREEPORT, FL 32439-3703

Mortgage

Document Number	0030950905
Date	Jan 17, 2019
Book Page	003095/000905
Instrument	1631

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 16, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 65 Island Grove Dr was $3,041 with a homeowner's exemption, up 1.7% 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	$3,041.00 (+1.74%) Homeowner's exemption	$397,396	$414,459 Land $75,000 Building $339,459
2024	$2,989.00 (+3.64%)
2023	$2,884.00 (+0.66%) Homeowner's exemption	$504,876 (+6.22%) Land $42,103 Building $462,773	$504,876 (+6.22%) Land $42,103 Building $462,773
2022	$2,865.00 Homeowner's exemption	$475,300 Land $46,734 Building $428,566	$475,300 Land $46,734 Building $428,566

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

Flood

FEMA maps place 65 Island Grove Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 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 65 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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