78 Grizzly St E, Freeport, FL 32439 Property Records

Walton County property record for 78 Grizzly St E, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,094 sqft · built 2019
Lot Size	0.257 acres (11,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$381,000 (Oct 2019)
Tax Bill	$2,551 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24300-000-0260`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24300-000-0260`
Alternative APNs	`02-219-24300-000-0260` `1002801`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,094 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	2,094 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	11,199 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	675 sqft
Porch	Finished/Open Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	78 GRIZZLY ST
City	FREEPORT
State	FL
Zip	32439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 26 BEAR CREEK COTTAGES PB 16-21 OR 3006-4170 OR 3120-2560
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK COTTAGES
Legal Block	2
Legal Lot Number	26
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
Census Tract	950501

Owner

Source: Walton County records, as of October 5, 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 Record
Mailing Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Sep 8, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Aug 14, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Aug 17, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME POINT
Oct 8, 2019	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2019 · Amount on Record
Deed Sale	Oct 8, 2019 · Amount on Record
Prior Sale	Jul 1, 2016 · Amount on Record
Deed Document Number	201935058
Deed Book / Page	3120 / 2560
Last Transfer Date	Aug 15, 2023
Transfer Doc	0000029299
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2026
Property Address	78 GRIZZLY ST, FREEPORT, FL 32439
Document Number	0000027355
Book / Page	3404 / 1964
Instrument Date	Jun 11, 2026
Instrument	202627355
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684

Mortgage

Document Number	0000027355,
Date	Jul 2, 2026
Book Page	3404/1964
Instrument	202627355

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jul 1, 2066

Interest

Rate	6.36%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684

Mortgage

Document Number	0033700616
Date	Sep 8, 2025
Book Page	3370/616
Instrument	20250032127

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	290 Months
Due	Nov 1, 2049

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684

Mortgage

Document Number	0032984711
Date	Aug 14, 2023
Book Page	3298/4711
Instrument	20230029178

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Nov 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684

Mortgage

Document Number	0032120609
Date	Aug 17, 2021
Book Page	3212/609
Instrument	20210041239

Lender

Name	HOME POINT
Type	Non-Lending Institution
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Nov 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 8, 2019
Property Address	78 GRIZZLY ST E, FREEPORT, FL 32439-4684
Document Number	0031202560
Book / Page	003120 / 002560
Instrument Date	Oct 7, 2019
Instrument	35058
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	RODGERS-KIEFER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,667.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	78 GRIZZLY ST E FREEPORT FL 324394684, FREEPORT, FL 32439-4684

Mortgage

Document Number	31202562
Date	Oct 8, 2019
Book Page	003120/002562
Instrument	35059

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

Tax Assessment & Valuation

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	$2,551.00 (+1.8%) Homeowner's exemption	$337,883 (-14.82%)	$441,694 (+11.35%) Land $70,000 Building $371,694
2024	$2,506.00 (+3.68%)
2023	$2,417.00 (+0.71%) Homeowner's exemption	$396,661 (+1.32%) Land $50,000 Building $346,661	$396,661 (+1.32%) Land $50,000 Building $346,661
2022	$2,400.00 Homeowner's exemption	$391,502 Land $49,627 Building $341,875	$391,502 Land $49,627 Building $341,875

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	76 (1978–2023)
Claims Outside the SFHA	18 of 76
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 26 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 10 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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 81 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

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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