18 Twain Trl, Freeport, FL 32439 Property Records

Walton County property record for 18 Twain Trl, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,721 sqft · built 2015
Lot Size	0.311 acres (13,557 sqft)
Owner	Company Name on File
Last Sale	$400,000 (Nov 2023)
Tax Bill	$4,426 (2024)
Deeds & Mortgages	Nov 2023 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0280`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0280`
Alternative APN	`1028168`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,721 sqft Living Area
Gross Area	2,277 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,557 sqft (0.311 acres)
Garage Type	Finished
Garage Area	399 sqft
Porch	Porch
Porch Area	157 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028168
Street Address	18 TWAIN TRL
City	FREEPORT
State	FL
Zip	32439-2294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HAMBAY
Legal Description	LOT 28 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 2985-2884 OR 3046-230 OR 3194-2646 OR 3213-2954 OR 3309-1096
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	28
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

18 Twain Trl is owned by a company that bought it in November 2023.

Source: Walton County records, as of December 17, 2025

Owner of Record	Company Name on File
Mailing Address	1920 ADELICIA ST APT 300, 300, NASHVILLE, TN 37212-2133
Owner Type	Company

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
Nov 30, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 26, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Jul 6, 2017	Warranty Deed, Transfer · FHA Mortgage PROGRESS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023 · Amount on File
Deed Sale	Nov 30, 2023 · Amount on File
Prior Sale	Aug 26, 2021 · Amount on File
Deed Document Number	20230042918
Deed Book / Page	3309 / 1096
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 30, 2023
Property Address	18 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0033091096
Book / Page	3309 / 1096
Map Reference	MB 17 PG 59,59A-59C
Instrument Date	Nov 27, 2023
Instrument	20230042918
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 TWAIN TRL, FREEPORT, FL 32439-2294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 ADELICIA ST APT 300, 300, NASHVILLE, TN 37212-2133

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 26, 2021
Property Address	18 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0032132954
Book / Page	3213 / 2954
Map Reference	MB 17 PG 59&59A-59C
Instrument Date	Aug 3, 2021
Instrument	20210043019
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	LIGHTHOUSE LAND TITLE COMPANY, LIGHTHOUSE LAND TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,799.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	750 J W HOLLINGTON RD, 750, FREEPORT, FL 32439-3304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TWAIN TRL, FREEPORT, FL 32439-2294

Mortgage

Document Number	32132956
Date	Aug 26, 2021
Instrument	3213/2956

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 6, 2017
Property Address	18 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0030460230
Book / Page	3046 / 0230
Map Reference	MB17 PG59&59A-59C
Instrument Date	Jun 21, 2017
Instrument	20170022113
Transaction Type	Transfer
Record Updated	Dec 30, 2021

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	18 TWAIN TRL, 18, FREEPORT, FL 32439-2294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	750 J W HOLLINGTON RD, FREEPORT, FL 32439-3304

Mortgage

Document Number	0030460232
Date	Jul 6, 2017
Instrument	3046/0232

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Municipality	Freeport City
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$317,953 Land $50,000 Building $267,953	$317,953 Land $50,000 Building $267,953
2024	$4,426.00 (+22.47%)
2023	$3,614.00 (+5.4%) Homeowner's exemption	$332,676 (+9.44%) Land $40,535 Building $292,141	$332,676 (+9.44%) Land $40,535 Building $292,141
2022	$3,429.00 Homeowner's exemption	$303,974 Land $44,994 Building $258,980	$303,974 Land $44,994 Building $258,980

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

Flood

FEMA maps place 18 Twain Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 18 Twain Trl 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 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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