98 Island Grove Dr, Freeport, FL 32439 Property Records

Walton County property record for 98 Island Grove Dr, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,583 sqft · built 2018
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Dec 2018)
Tax Bill	$1,180 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-1S-19-23010-00D-0040`

Property Details

APN / Parcel Number

Primary APN	`29-1S-19-23010-00D-0040`
Alternative APNs	`29-119-23010-00D-0040` `1062438`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,583 sqft Living Area
Gross Area	2,958 sqft
1st Floor Area	1,583 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	499 sqft
Porch	Finished Screened Porch
Porch Area	156 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	98 ISLAND GROVE DR
City	FREEPORT
State	FL
Zip	32439-3700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LOT 4 BLK D CROSS CREEK SHORES S/D PB 7-37 OR 399-293 OR 2524-761 OR 2702-580 OR 2722-4844 OR 2949-1218 OR 2952-1887 OR 3020-3090 OR 3021-2280 OR 3092-1363
Legal Range	019
Legal Township	01S
Legal Section	29
Legal Subdivision	CROSS CREEK SHORES
Legal Block	D
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2090
Census Tract	950502

Owner

98 Island Grove Dr is owned and occupied by two individuals who bought it in December 2018.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	98 ISLAND GROVE DR, FREEPORT, FL 32439-3700
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Prior Sale	Sep 26, 2016 · Amount on File
Deed Document Number	201841022
Deed Book / Page	3092 / 1363
Prior Transfer Date	Aug 29, 2016
Prior Transfer Doc	0030203090
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 11, 2018
Property Address	98 ISLAND GROVE DR, FREEPORT, FL 32439-3700
Document Number	0030921363
Book / Page	3092 / 1363
Map Reference	MB 7 PG 37
Instrument Date	Dec 7, 2018
Instrument	2018000041022
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	286 N JACKSON ST, 286, FREEPORT, FL 32439-4037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4975 PRINCETON RD, MEMPHIS, TN 38117-2033

Mortgage

Document Number	2018000041023
Date	Dec 11, 2018
Instrument	2018000041023

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 98 Island Grove Dr was $1,180 with a homeowner's exemption, 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	$1,180.00 (+1.99%) Homeowner's exemption	$171,580	$311,882 Land $55,800 Building $256,082
2024	$1,157.00 (+4.14%)
2023	$1,111.00 (+1.09%) Homeowner's exemption	$379,137 (+9.55%) Land $37,893 Building $341,244	$379,137 (+9.55%) Land $37,893 Building $341,244
2022	$1,099.00 Homeowner's exemption	$346,083 Land $42,061 Building $304,022	$346,083 Land $42,061 Building $304,022

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

Flood

FEMA maps place 98 Island Grove Dr 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 296 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	296 in force
Nearby Flood Claims	56 (1989–2020)
Claims Outside the SFHA	8 of 56
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 12 claims Hurricane Frances, Sep 2004 · 18 claims Hurricane Opal, Oct 1995 · 13 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 98 Island Grove Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Verizon, Wildstar Networks.

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