898 Bay Grove Rd, Freeport, FL 32439 Property Records

Walton County property record for 898 Bay Grove Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,194 sqft · built 1999
Lot Size	0.351 acres (15,270 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Jun 2004)
Tax Bill	$3,223 (2025)
Deeds & Mortgages	Mar 2026 Reverse Mortgage Oct 2021 Reverse Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`33-1S-19-23000-001-0090`

Property Details

APN / Parcel Number

Primary APN	`33-1S-19-23000-001-0090`
Alternative APNs	`33-119-23000-001-0090` `1072835`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,194 sqft Living Area
Gross Area	5,704 sqft
1st Floor Area	832 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,270 sqft (0.351 acres)
Lot Width	75 ft Width
Garage Type	Attached
Garage Area	1,530 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	980 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	898 BAY GROVE RD
City	FREEPORT
State	FL
Zip	32439-4943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYMALL
Legal Description	COM SW/C OF GOVT LOT 1 RUN N ALONG THE W LINE OF GOVT LOT 1 862.96 FT TO THE NLY ROW LINE OF A CO RD S 63 DEG E ALONG ROW LINE 1060 FT TO POB CONT S 63 DEG E ALONG ROW LINE 54 FT TO A PT OF CURVE CURVE HAVING A DELTA ANGLE OF 45 DEG TO THE LEFT + A R
Legal Range	019
Legal Township	01S
Legal Section	33
Legal Subdivision	MALLET BAYOU
Legal Block	100
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	1
Census Block	1033
Census Tract	950502

Owner

898 Bay Grove Rd is owned and occupied by an individual who bought it in June 2004.

Source: Walton County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943
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
Mar 9, 2026	Deed of Trust, Mortgage · Reverse Mortgage SMARTFI HOME LOANS LLC
Oct 4, 2021	Deed of Trust, Mortgage · Reverse Mortgage HOMECISION
Jul 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 20, 2017	Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2004 · Amount on File
Deed Sale	Jun 3, 2004 · Amount on File
Prior Sale	Sep 17, 2002
Deed Document Number	2004822759
Deed Book / Page	2613 / 1524
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943

Mortgage

Document Number	0033900100
Date	Mar 9, 2026
Book Page	3390/100
Instrument	20260008970

Lender

Name	SMARTFI HOME LOANS LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	774 Months
Due	Sep 5, 2090

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943

Mortgage

Document Number	0032191095
Date	Oct 4, 2021
Book Page	3219/1095
Instrument	20210049660

Lender

Name	HOMECISION
Type	Non-Lending Institution
Address	HENDERSON, NV 89074

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	827 Months
Due	Sep 5, 2090

Interest

Rate Type	Adjustable Rate
Rate	1.94%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943
Document Number	0030483555
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NATIONS LENDING, NATIONS LNDG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 BAY GROVE RD FREEPORT FL 324394943, FREEPORT, FL 32439-4943

Mortgage

Document Number	0030483555
Date	Aug 2, 2017
Book Page	003048/003555
Instrument	25520

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, WA 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Aug 1, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.49%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	898 BAY GROVE RD, FREEPORT, FL 32439-4943
Document Number	0030483539
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 BAY GROVE RD FREEPORT FL 324394943, FREEPORT, FL 32439-4943

Mortgage

Document Number	0030483539
Date	Aug 2, 2017
Book Page	003048/003539
Instrument	25519

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Aug 1, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.49%

Tax Assessment & Valuation

The 2025 property tax bill for 898 Bay Grove Rd was $3,223 with exemptions applied, up 2% 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	$3,223.00 (+1.99%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$445,742	$671,805 Land $240,000 Building $431,805
2024	$3,160.00 (+3.91%)
2023	$3,041.00 (-6.11%) Homeowner's exemption	$651,381 (+4.93%) Land $213,750 Building $437,631	$651,381 (+4.93%) Land $213,750 Building $437,631
2022	$3,239.00 Homeowner's exemption	$620,763 Land $193,294 Building $427,469	$620,763 Land $193,294 Building $427,469

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

Flood

FEMA maps place 898 Bay Grove Rd 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 24 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 898 Bay Grove Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 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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