Osceola County property record for 1020 Top Minnow Rd, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.11 acres (4,791 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $485,000 (May 2026) |
| Tax Bill | $2,614 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Sale & Mortgage |
| APN | 29-25-31-0945-0001-1200 |
| Primary APN | 29-25-31-0945-0001-1200 |
|---|---|
| Alternative APN |
|
| Lot Area | 4,791 sqft (0.11 acres) |
|---|
| Street Address | 1020 TOP MINNOW RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-6942 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | WATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 120 |
| Legal Subdivision | WATERS AT CENTER LAKE RANCH PHASE 1B |
| Legal Lot Number | 120 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43700 |
Source: Osceola County records, as of May 27, 2026
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 | 1020 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW WAVE LENDING GROUP INC |
| May 15, 2026 | Special Warranty Deed · Conventional Mortgage NEW WAVE LENDING GROUP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on Record |
| Deed Sale | May 15, 2026 · Amount on Record |
| Deed Document Number | 202664504 |
| Deed Book / Page | 6972 / 1062 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 15, 2026 |
| Property Address | 1020 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942 |
| Document Number | 0000064507 |
| Book / Page | 6972 / 1068 |
| Instrument Date | May 14, 2026 |
| Instrument | 202664507 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 1020 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942 |
| Document Number | 0000064507, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 6972/1068 |
| Instrument | 202664507 |
| Name | NEW WAVE LENDING GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 15, 2026 |
| Property Address | 1020 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942 |
| Document Number | 0069721062 |
| Book / Page | 6972 / 1062 |
| Instrument Date | May 14, 2026 |
| Instrument | 2026.64504 |
| Record Updated | May 28, 2026 |
| Title Company | INSURED TITLE, INSPIRED TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $342,895.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1020 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942 |
| Document Number | 0000064504, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 6972/1068 |
| Instrument | 2026.64504 |
| Name | NEW WAVE LENDING GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,614.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: OpenFEMA NFIP redacted claims and policies, as of September 2026
| Flood Insurance Cost | Premium on Record median of 70 policies |
|---|---|
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
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.
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