934 Bay Grove Rd, Freeport, FL 32439 Property Records

Walton County property record for 934 Bay Grove Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,250 sqft · built 2021
Lot Size	0.377 acres (16,406 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Feb 2026)
Tax Bill	$4,618 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`33-1S-19-23000-001-0030`

Property Details

APN / Parcel Number

Primary APN	`33-1S-19-23000-001-0030`
Alternative APNs	`33-119-23000-001-0030` `1072827`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,250 sqft Living Area
Gross Area	3,120 sqft
1st Floor Area	2,250 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	16,406 sqft (0.377 acres)
Lot Width	76 ft Width
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	934 BAY GROVE RD
City	FREEPORT
State	FL
Zip	32439-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYMALL
Legal Description	THAT PART OF GOVT LOT 1, COM SW/C OF LOT, N ALG W LN 862.06 FT TO NLY ROW LN OF CO RD S 63 DEG E ALG ROW LN 835FT TO POB, CONT S 63 DEG E ALG ROW LN 75 FT, N 26 DEG 59'03E 202FT TO MALLET BAYOU, NWLY ALG MALLET BAYOU 76FT, S 26 DEG 59'03'W 231FT TO P
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

934 Bay Grove Rd is owned and occupied by two individuals who bought it in February 2026.

Source: Walton County records, as of April 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	934 BAY GROVE RD, FREEPORT, FL 32439-4811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROGRESS BANK & TRUST
Jun 29, 2020	Warranty Deed, Transfer · Line of Credit WHITNEY BANK
Apr 10, 2019	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on File
Deed Sale	Feb 9, 2026 · Amount on File
Prior Sale	Jun 29, 2020 · Amount on File
Deed Document Number	20264887
Deed Book / Page	3386 / 3595
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 9, 2026
Property Address	934 BAY GROVE RD, FREEPORT, FL 32439-4811
Document Number	0033863595
Book / Page	3386 / 3595
Instrument Date	Feb 9, 2026
Instrument	20260004887
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 BENTGRASS RD S, FREEPORT, FL 32439-6331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	934 BAY GROVE RD, FREEPORT, FL 32439-4811

Mortgage

Document Number	0033863597
Date	Feb 9, 2026
Instrument	3386/3597

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	934 BAY GROVE RD, FREEPORT, FL 32439-4811
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLAMINGO DR, SANTA ROSA BEACH, FL 32459-8522

Mortgage

Document Number	0031633136
Date	Oct 12, 2020
Book Page	3163/3136
Instrument	20200040179

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Max Rate	10.5%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 29, 2020
Property Address	934 BAY GROVE RD, FREEPORT, FL 32439-4811
Document Number	0031474835
Book / Page	3147 / 4835
Instrument Date	Jun 24, 2020
Instrument	20200022310
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8400 SARTORI DR, 8400, MILLINGTON, TN 38053-4816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLAMINGO DR, SANTA ROSA BEACH, FL 32459-8522

Mortgage

Document Number	0031474837
Date	Jun 29, 2020
Instrument	3147/4837

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 10, 2019
Property Address	934 BAY GROVE RD, FREEPORT, FL 32439-4811
Document Number	0031020411
Book / Page	003102 / 000411
Instrument Date	Apr 8, 2019
Instrument	11029
Transaction Type	Transfer
Record Updated	Apr 22, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8400 SARTORI DR MILLINGTON TN 380534816, MILLINGTON, TN 38053-4816

Tax Assessment & Valuation

The 2025 property tax bill for 934 Bay Grove Rd was $4,618, up 3.6% 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	$4,618.00 (+3.64%)	$551,326 (+5.07%) Land $243,200 Building $308,126	$551,326 (+5.07%) Land $243,200 Building $308,126
2024	$4,456.00 (+2.77%)	$524,726 (+2.14%) Land $216,600 Building $308,126	$524,726 (+2.14%) Land $216,600 Building $308,126
2023	$4,336.00 (+5.27%)	$513,726 (+6.47%) Land $216,600 Building $297,126	$513,726 (+6.47%) Land $216,600 Building $297,126
2022	$4,119.00	$482,495 Land $195,871 Building $286,624	$482,495 Land $195,871 Building $286,624

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 934 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 934 Bay Grove Rd is moderate, ranking above 56% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.09% 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 41 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
Starlink Satellite	280 / 30

May also be available: Wildstar Networks.

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