Osceola County property record for 1005 Twisted Branch Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,035 sqft · built 2008 |
| Lot Size | 0.262 acres (11,413 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,277 (2025) |
| Deeds & Mortgages | May 2025 Second Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 302531285800010220 |
| Primary APN | 302531285800010220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,035 sqft Heated Area |
| Gross Area | 2,679 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,413 sqft (0.262 acres) |
| Garage Type | Finished |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 607 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1005 TWISTED BRANCH LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHISHOLM ESTATES PB 18 PG 16-17 LOT 22 |
| Legal Subdivision | CHISHOLM ESTATES |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1005 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2020 |
| Deed Sale | Feb 5, 2020 |
| Deed Document Number | 0005670963 |
| Deed Book / Page | 3812 / 0178 |
| Prior Transfer Date | Mar 19, 2009 |
| Prior Transfer Doc | 2009043523 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1005 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8912 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1005 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8912 |
| Document Number | 0067802021 |
|---|---|
| Date | May 1, 2025 |
| Book Page | 6780/2021 |
| Instrument | 2025055231 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2045 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,277.00 (+11.26%) Homeowner's exemption | $265,736 (+3.15%) | $355,800 (+1.8%) Land $65,000 Building $290,800 |
| 2023 | $3,844.00 (+16.31%) Homeowner's exemption | $257,625 (+23.08%) | $349,500 (+35.62%) Land $65,000 Building $284,500 |
| 2022 | $3,305.00 Homeowner's exemption | $209,312 | $257,700 Land $55,000 Building $202,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
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