81 Grizzly St E, Freeport, FL 32439 Property Records

Walton County property record for 81 Grizzly St E, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,945 sqft · built 2019
Lot Size	0.348 acres (15,184 sqft)
Owner	2 Individual Names on Record
Last Sale	$33,400 (Aug 2018)
Tax Bill	$2,307 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24300-000-0020`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24300-000-0020`
Alternative APN	`1002777`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,945 sqft Living Area
Gross Area	2,805 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,184 sqft (0.348 acres)
Lot Dimensions	13 ft deep x 11.7 ft wide
Garage Type	Finished
Garage Area	528 sqft
Porch	Porch
Porch Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002777
Street Address	81 GRIZZLY ST E
City	FREEPORT
State	FL
Zip	32439-4685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BEAR CREEK COTTAGES PB 16-21 OR 2638-456 OR 3046-4257 OR 3083-382
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1053
Census Tract	950501

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	2 Individual Names on Record
Mailing Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit GOODLEAP LC
Apr 18, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 19, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 20, 2019	Loan Modification, Mortgage 1ST SIGNATURE LNDG
Aug 24, 2018	Grant Deed, Transfer · Construction Mortgage 1ST SIGNATURE LNDG
Jul 14, 2017	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Document Number	2018000028616
Deed Book / Page	3083 / 0382
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685

Mortgage

Document Number	0033771287
Date	Nov 12, 2025
Book Page	3377/1287
Instrument	20250041665

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 26, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Transaction Type	Mortgage
Record Updated	Mar 5, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685

Mortgage

Document Number	0032863894
Date	Apr 18, 2023
Book Page	3286/3894
Instrument	20230013241

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 19, 2024
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Document Number	0033154084
Book / Page	3315 / 4084
Map Reference	MB 18 PG 74
Instrument Date	Feb 15, 2024
Instrument	20240005620
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	257 PARTRIDGE LN, FREEPORT, FL 32439-3119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031634523
Date	Oct 13, 2020
Book Page	3163/4523
Instrument	20200040549

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jul 1, 2049

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Document Number	0031011178
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	81 GRIZZLY ST E FREEPORT FL 324394685, FREEPORT, FL 32439-4685

Mortgage

Document Number	0031011178
Date	Apr 2, 2019
Book Page	003101/001178
Instrument	9908

Lender

Name	1ST SIGNATURE LNDG
Address	INDIANAPOLIS, IN 46256

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Aug 24, 2018
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Document Number	0030830382
Book / Page	003083 / 000382
Instrument Date	Aug 20, 2018
Instrument	28616
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$233.73
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	E GRIZZLY FREEPORT FL 32439, FREEPORT, FL 32439

Mortgage

Document Number	30830385
Date	Aug 24, 2018
Book Page	003083/000385
Instrument	28617

Lender

Name	1ST SIGNATURE LNDG
Address	9800 CROSSPOINT BOULEVARD 4TH # A, INDIANAPOLIS, IN 46256

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2048

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 14, 2017
Property Address	81 GRIZZLY ST E, FREEPORT, FL 32439-4685
Document Number	0030464257
Book / Page	003046 / 004257
Instrument Date	Jul 14, 2017
Instrument	23165
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$189.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97 BIG OAK LN SANTA ROSA BEACH FL 324597833, SANTA ROSA BEACH, FL 32459-7833

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		$412,114 (+11.65%) Land $70,000 Building $342,114	$412,114 (+11.65%) Land $70,000 Building $342,114
2024	$2,307.00 (+3.73%)
2023	$2,224.00 (+0.72%) Homeowner's exemption	$369,111 (+1.28%) Land $50,000 Building $319,111	$369,111 (+1.28%) Land $50,000 Building $319,111
2022	$2,208.00 Homeowner's exemption	$364,461 Land $49,627 Building $314,834	$364,461 Land $49,627 Building $314,834

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
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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