91 Twain Trl, Freeport, FL 32439 Property Records

Walton County property record for 91 Twain Trl, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,532 sqft · built 2017
Lot Size	0.224 acres (9,784 sqft)
Owner	Individual Name on File
Last Sale	$306,000 (Nov 2018)
Tax Bill	$3,644 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1S-19-23070-000-0310`

Property Details

APN / Parcel Number

Primary APN	`17-1S-19-23070-000-0310`
Alternative APN	`1028171`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	3,225 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,784 sqft (0.224 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Porch
Porch Area	252 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1028171
Street Address	91 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 31 PASSAGES AT HAMMOCK BAY PB 17-59 OR 2883-3030 OR 3038-3074 OR 3089-3625
Legal Range	19W
Legal Township	01S
Legal Section	17
Legal Subdivision	PASSAGES AT HAMMOCK BAY
Legal Lot Number	31
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	2
Census Block	2011
Census Tract	950502

Owner

91 Twain Trl is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	91 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
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Nov 8, 2018	Warranty Deed, Transfer · VA Mortgage FIRST FLORIDA BANK
Apr 17, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2018 · Amount on File
Deed Sale	Nov 8, 2018 · Amount on File
Prior Sale	Apr 17, 2017 · Amount on File
Deed Document Number	2018000037460
Deed Book / Page	3089 / 3625
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	91 TWAIN TRL, FREEPORT, FL 32439-2294
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 TWAIN TRL, FREEPORT, FL 32439-2294

Mortgage

Document Number	0031824120
Date	Feb 11, 2021
Book Page	3182/4120
Instrument	20210006680

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 8, 2018
Property Address	91 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0030893625
Book / Page	3089 / 3625
Map Reference	MB17 PG59
Instrument Date	Oct 31, 2018
Instrument	2018000037460
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 TWAIN TRL, 91, FREEPORT, FL 32439-2294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4347 SUMMERLIN DR, VALDOSTA, GA 31605-4950

Mortgage

Document Number	2018000037462
Date	Nov 8, 2018
Instrument	2018000037462

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

April 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 17, 2017
Property Address	91 TWAIN TRL, FREEPORT, FL 32439-2294
Document Number	0030383074
Book / Page	3038 / 3074
Map Reference	MB17 PG59
Instrument Date	Apr 14, 2017
Instrument	20170011854
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 TWAIN TRL, FREEPORT, FL 32439-2294

Mortgage

Document Number	0030383075
Date	Apr 17, 2017
Instrument	3038/3075

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 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		$430,246 Land $50,000 Building $380,246	$430,246 Land $50,000 Building $380,246
2024	$3,644.00 (+3.76%)
2023	$3,512.00 (+5.43%) Homeowner's exemption	$455,240 (+11.39%) Land $40,535 Building $414,705	$455,240 (+11.39%) Land $40,535 Building $414,705
2022	$3,331.00 Homeowner's exemption	$408,694 Land $44,994 Building $363,700	$408,694 Land $44,994 Building $363,700

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

Flood

FEMA maps place 91 Twain Trl in Zone X, an area of minimal flood risk, within 100 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 100 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 91 Twain Trl is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 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.

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