51 Twain Trl, Freeport, FL 32439 Property Records

Walton County property record for 51 Twain Trl, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,940 sqft · built 2017
Lot Size	0.223 acres (9,744 sqft)
Owner	2 Individual Names on File
Last Sale	$5,000 (Jul 2019)
Tax Bill	$2,995 (2024)
Deeds & Mortgages	Dec 2017 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0350`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0350`
Alternative APN	`1028175`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,940 sqft Living Area
Gross Area	2,628 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,744 sqft (0.223 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028175
Street Address	51 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 35 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 3033-1840 OR 3081-1305
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	35
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

51 Twain Trl is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 TWAIN TRL, FREEPORT, FL 32439-2294
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

Date	Document
Dec 7, 2017	Deed of Trust, Mortgage · ARM 360 MORTGAGE GROUP LLC
Aug 2, 2018	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Feb 15, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on File
Deed Sale	Jul 15, 2019 · Amount on File
Prior Sale	Aug 2, 2018 · Amount on File
Deed Document Number	20190023634
Deed Book / Page	3081 / 1305
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 TWAIN TRL, FREEPORT, FL 32439-2294
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030591532
Date	Dec 7, 2017
Book Page	3059/1532
Instrument	2017000040086

Lender

Name	360 MORTGAGE GROUP LLC
Type	Mortgage Company
Address	AUSTIN, TX 78726

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.25%
Index	1-Year CMT
Max Rate	5%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 2, 2018
Property Address	51 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0030811305
Book / Page	3081 / 1305
Map Reference	MB17 PG59
Instrument Date	Jul 31, 2018
Instrument	2018000025992
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OLD SOUTH LAND TITLE CO

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	1386 S BLACK CAT RD, 1386, JOPLIN, MO 64801-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 TWAIN TRL, FREEPORT, FL 32439-2294

Mortgage

Document Number	2018000025993
Date	Aug 2, 2018
Instrument	2018000025993

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Feb 15, 2017
Property Address	51 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0030331840
Book / Page	003033 / 001840
Instrument Date	Feb 13, 2017
Instrument	4737
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 22, 2017
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 TWAIN TRL FREEPORT FL 324392294, FREEPORT, FL 32439-2294

Mortgage

Document Number	30331841
Date	Feb 15, 2017
Book Page	003033/001841
Instrument	4738

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 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		$360,148 Land $50,000 Building $310,148	$360,148 Land $50,000 Building $310,148
2024	$2,995.00 (+3.78%)
2023	$2,886.00 (+5.41%) Homeowner's exemption	$378,816 (+10.88%) Land $40,535 Building $338,281	$378,816 (+10.88%) Land $40,535 Building $338,281
2022	$2,738.00 Homeowner's exemption	$341,648 Land $44,994 Building $296,654	$341,648 Land $44,994 Building $296,654

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

Flood

FEMA maps place 51 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 51 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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