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2838 Bay Grove Rd, Freeport, FL, 32439

4beds
4baths
1,744sqft
$1,094,900
$628price/sqft
$7,097/moest. monthly cost
$283,880/yrincome needed

About This Home

Sunset views that are breathing taking. Walk into front door with that wow bay view and open floor plan that is a showstopper. It is awesome for entertaining with open deck 12x by 28 out back door. It has 4 bedrooms and 3 1/2 baths. High ceiling. It was totally remodeled in 2023. House built in 1960. This house is a must see if you are looking for house on the water that is peaceful and you can feel like you are on vacation all the time at this peaceful oasis from the outside world. Great neighbors. Large master bedroom suite with double sinks, 6 ft shower and soaking tub, bay view from master bedroom and master bathroom. House has a separate studio apartment with a half bath and kitchenette. This is great for teenager hangout, office or hobby room. It has a storage building separate. There is a huge double boat dock with 2 lifts, water, electric and shower. This home has been done by and interior decorator and it shows in the design, cabinets and etc. Move in ready. Everything inside and outside of house has had totally redone and is move in ready. County says short- and long-term rentals okay. Buyer to verify all information that is important to them Professional pictures on the way to be posted.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10
Freeport Middle SchoolGrades 5-82.9 mi
8/10

Construction

Condition

  • Property condition: Construction Complete,Renovated
  • Year built: 1960

Materials

  • Roof: Metal
  • Construction materials: Siding CmntFbrHrdBrd

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range Hood,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 55.5
  • Dimensions: 11.1 x 5

Bedroom

  • Level: First
  • Area: 133.2
  • Dimensions: 12 x 11.1

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Family Room

  • Level: First
  • Area: 720
  • Dimensions: 30 x 24

Features

  • Beamed Ceilings,Vaulted Ceiling(s),Kitchen Island,Newly Painted,Split Bedroom
  • Window features: Double Pane Windows
  • Flooring: Laminate
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,744
  • Total interior livable area: 1,744 sqft

Laundry

  • Level: First
  • Area: 25
  • Dimensions: 5 x 5

Master Bathroom

  • Level: First
  • Area: 95.58
  • Dimensions: 11.8 x 8.1

Master Bedroom

  • Level: First
  • Area: 154.29
  • Dimensions: 13.9 x 11.1

Property

Details

  • Parcel number: 042S19240100010330
  • Zoning description: Resid Single Family
  • Special condition: Accept Backup Offers

Features

  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Boatlift,Dock
  • Fencing: Partial
  • Has view: Yes
  • View description: Bay
  • Has water view: Yes
  • Water view: Bay
  • Waterfront features: Bay,Seawall

Lot

  • Lot size: 10,018 sqft
  • Features: Flood Insurance Req,Level,Survey Available
  • Lot size dimensions: 60 x 288

Parking

  • Total spaces: 6
  • Parking features: Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Walton County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,536$66,432
Home Insurance *$443$5,316
Property Taxes $921$11,052
Electricity $197$2,366
Total$7,097$85,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$243,325/yr
40% on housing$212,910/yr
45% on housing$189,253/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$628This listing

vs Other Active Listings

Avg $/sqft

ZIP 32439$244
Walton County$484

vs Homes Sold Last Month

Median $/sqft

ZIP 32439$200
Walton County$400

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$1,094,900
2026-06-22Listed for sale$1,129,000
2024-07-02Listing removed--
2024-05-13Price change$1,198,900
2024-05-03Listed for sale$1,224,900
2024-05-03Listing removed--
2024-05-02Listed for sale$1,214,750
2024-04-01Listing removed--
2024-03-01Price change$1,224,750
2024-02-21Price change$1,225,000
2024-02-08Price change$1,229,000
2023-10-04Listed for sale$1,249,000
2023-08-30Listing removed--
2023-07-15Listed for sale$1,249,000
2021-12-08Listing removed--
2021-06-01Listing removed$649,900
2021-04-24Listed for sale$649,900
2018-10-11Listing removed$494,900
2018-08-15Price change$494,900
2018-04-06Listed for sale$474,900
2017-05-01Listing removed$494,900
2017-03-18Price change$494,900
2017-03-03Price change$495,000
2017-01-11Listed for sale$525,000
2014-12-22Sold$210,000
2009-11-20Sold$168,500

For Sale by Agent

AgentMerle Brown
BrokerageRealty Mark Associates

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