1016 Twisted Branch Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1016 Twisted Branch Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,530 sqft · built 2006
Lot Size	0.244 acres (10,672 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Sep 2020)
Tax Bill	$4,559 (2025)
Deeds & Mortgages	Jan 2018 Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`138019`

Property Details

APN / Parcel Number

Primary APN	`138019`
Alternative APN	`302531285800010330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,530 sqft Heated Area
Gross Area	3,069 sqft
1st Floor Area	2,530 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,672 sqft (0.244 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	77 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138019
Street Address	1016 TWISTED BRANCH LN
City	SAINT CLOUD
State	FL
Zip	34771-8915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	CHISHOLM ESTATES PB 18 PG 16-17 LOT 33
Legal Range	31E
Legal Township	25S
Legal Section	30
Legal Subdivision	CHISHOLM ESTATES
Legal Tract	2858
Legal Block	1
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

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	Individual Name on Record
Mailing Address	1016 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
May 22, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 4, 2020	Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Feb 23, 2012 · Amount on Record
Deed Document Number	2020117978
Deed Book / Page	5787 / 2523
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1016 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052722456
Date	Jan 22, 2018
Book Page	5272/2456
Instrument	2018011268

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2038

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1016 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057252737
Date	May 22, 2020
Book Page	5725/2737
Instrument	2020067025

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2020
Property Address	1016 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Document Number	0057872523
Book / Page	5787 / 2523
Map Reference	MB 18 PG 16
Instrument Date	Aug 31, 2020
Instrument	2020117978
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ALPHA RELIABLE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 CEDAR SIDE CIR NE, 605, PALM BAY, FL 32905-5022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915

Mortgage

Document Number	0057872525
Date	Sep 4, 2020
Instrument	5787/2525

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,559.00 (+7.45%) Homeowner's exemption	$282,114 (+5.99%)	$386,200 (+1.63%) Land $65,000 Building $321,200
2023	$4,243.00 (+6.29%) Homeowner's exemption	$266,179 (+3%)	$380,000 (+39.71%) Land $65,000 Building $315,000
2022	$3,992.00 Homeowner's exemption	$258,427	$272,000 Land $55,000 Building $217,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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

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

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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