93 Grizzly St E, Freeport, FL 32439 Property Records

Walton County property record for 93 Grizzly St E, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,735 sqft · built 2020
Lot Size	0.356 acres (15,549 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,900 (Jan 2020)
Tax Bill	$3,689 (2024)
Deeds & Mortgages	Mar 2019 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-2S-19-24300-000-0010`

Property Details

APN / Parcel Number

Primary APN	`02-2S-19-24300-000-0010`
Alternative APN	`1002776`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,735 sqft Living Area
Gross Area	4,214 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	15,549 sqft (0.356 acres)
Lot Dimensions	15 ft deep x 8.2 ft wide
Garage Type	Finished
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1002776
Street Address	93 GRIZZLY ST E
City	FREEPORT
State	FL
Zip	32439-4685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BEAR CREEK COTTAGES PB 16-21 OR 2673-1354 OR 2827-140 OR 2855-3103 OR 2856-4125 OR 3085-2818 OR 3130-4041
Legal Range	19W
Legal Township	02S
Legal Section	02
Legal Subdivision	BEAR CREEK
Legal Lot Number	1
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	93 GRIZZLY ST E, FREEPORT, FL 32439-4685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUMMIT BANK NA
Jan 21, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME MTG/AMERICA
Sep 20, 2018	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2020 · Amount on Record
Deed Sale	Jan 21, 2020 · Amount on Record
Prior Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	0031304041
Deed Book / Page	3130 / 4041
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	93 GRIZZLY ST E, FREEPORT, FL 32439-4685
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031003128
Date	Mar 27, 2019
Book Page	3100/3128
Instrument	20190009128

Lender

Name	SUMMIT BANK NA
Type	Bank
Address	PANAMA CITY, FL 32406

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	31 Months
Due	Oct 9, 2021

Interest

Rate Type	Adjustable Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 21, 2020
Property Address	93 GRIZZLY ST E, FREEPORT, FL 32439-4685
Document Number	0031304041
Book / Page	003130 / 004041
Instrument Date	Jan 21, 2020
Instrument	2237
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,429.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	93 GRIZZLY ST E FREEPORT FL 324394685, FREEPORT, FL 32439-4685

Mortgage

Document Number	31304045
Date	Jan 21, 2020
Book Page	003130/004045
Instrument	2239

Lender

Name	HOME MTG/AMERICA
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 20, 2018
Property Address	93 GRIZZLY ST E, FREEPORT, FL 32439-4685
Document Number	0030852818
Book / Page	003085 / 002818
Instrument Date	Sep 17, 2018
Instrument	31886
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$231.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 AZURE PL MIRAMAR BEACH FL 325505255, MIRAMAR BEACH, FL 32550-5255

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		$605,529 (+19.87%) Land $70,000 Building $535,529	$605,529 (+19.87%) Land $70,000 Building $535,529
2024	$3,689.00 (+15.1%)
2023	$3,205.00 (+0.63%) Homeowner's exemption	$505,160 (+1.34%) Land $50,000 Building $455,160	$505,160 (+1.34%) Land $50,000 Building $455,160
2022	$3,185.00 Homeowner's exemption	$498,503 Land $49,627 Building $448,876	$498,503 Land $49,627 Building $448,876

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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