1026 Top Minnow Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1026 Top Minnow Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Apr 2026)
Tax Bill	$2,614 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-25-31-0945-0001-1210`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-0945-0001-1210`
Alternative APN	`253129094500011210`

Exterior

Lot Area	4,791 sqft (0.11 acres)

Location & Zoning

Street Address	1026 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 121
Legal Subdivision	WATERS AT CENTER LAKE RANCH PHASE 1B
Legal Lot Number	121
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43700

Owner

1026 Top Minnow Rd, vacant land, is owned and occupied by two individuals who bought it in April 2026.

Source: Osceola County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1026 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 23, 2026	Special Warranty Deed · Conventional Mortgage TAYLOR MORRISON HOME FUNDING
Apr 23, 2026	Special Warranty Deed · Conventional Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Deed Document Number	202654090
Deed Book / Page	6960 / 933
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 23, 2026
Property Address	1026 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942
Document Number	0000054090
Book / Page	6960 / 933
Instrument Date	Apr 22, 2026
Instrument	2026.54090
Record Updated	May 4, 2026
Title Company	INSURED TITLE, INSPIRED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300,475.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1026 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942

Mortgage

Document Number	0000054095,
Date	Apr 23, 2026
Instrument	2026..54095

Lender

Name	TAYLOR MORRISON HOME FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 23, 2026
Property Address	1026 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942
Document Number	0069600933
Book / Page	6960 / 933
Instrument Date	Apr 22, 2026
Instrument	202654090
Record Updated	Jul 6, 2026
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300,475.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1026 TOP MINNOW RD, SAINT CLOUD, FL 34771-6942

Mortgage

Document Number	0000054095,
Date	Apr 23, 2026
Instrument	202654095

Lender

Name	TAYLOR MORRISON HOME FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1026 Top Minnow Rd was $2,614.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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.

Flood

FEMA maps place 1026 Top Minnow Rd in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 1026 Top Minnow Rd is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Spectrum.

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