1020 Twisted Branch Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1020 Twisted Branch Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,035 sqft · built 2006
Lot Size	0.244 acres (10,672 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Dec 2018)
Tax Bill	$4,141 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`138021`

Property Details

APN / Parcel Number

Primary APN	`138021`
Alternative APN	`302531285800010350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,035 sqft Heated Area
Gross Area	2,587 sqft
1st Floor Area	2,035 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138021
Street Address	1020 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 35
Legal Range	31E
Legal Township	25S
Legal Section	30
Legal Subdivision	CHISHOLM ESTATES
Legal Tract	2858
Legal Block	1
Legal Lot Number	35
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

1020 Twisted Branch Ln is owned and occupied by an individual who bought it in December 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1020 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
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
Mar 11, 2020	Deed of Trust, Mortgage · FHA Mortgage 1ST RATE HOME MORTGAGE INC
Dec 19, 2018	Warranty Deed, Transfer · FHA Mortgage MORIA DEVELOPMENT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on File
Deed Sale	Dec 19, 2018 · Amount on File
Prior Sale	Feb 15, 2007 · Amount on File
Deed Document Number	2018185005
Deed Book / Page	5451 / 1513
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1020 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056900659
Date	Mar 11, 2020
Book Page	5690/659
Instrument	2020035512

Lender

Name	1ST RATE HOME MORTGAGE INC
Type	Mortgage Company
Address	TEMPE, AZ 85283

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 19, 2018
Property Address	1020 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Document Number	0054511513
Book / Page	5451 / 1513
Map Reference	MB 18 PG 16&17
Instrument Date	Dec 17, 2018
Instrument	2018185005
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SECURITY NATL TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110522 CEDAR CREST DRIVE, 110522, ORLANDO, FL 32828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915

Mortgage

Document Number	2018185006
Date	Dec 19, 2018
Instrument	2018185006

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1020 Twisted Branch Ln was $4,141 with a homeowner's exemption.

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	$4,141.00 Homeowner's exemption	$251,973	$345,000 Land $65,000 Building $280,000
2023	$3,846.00 (+6.66%) Homeowner's exemption	$237,740 (+3%)	$339,200 (+38.9%) Land $65,000 Building $274,200
2022	$3,606.00 Homeowner's exemption	$230,816	$244,200 Land $55,000 Building $189,200

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

Flood

FEMA maps place 1020 Twisted Branch Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1020 Twisted Branch Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of 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.

Nearby Properties on Twisted Branch Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures