1031 Twisted Branch Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1031 Twisted Branch Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,332 sqft · built 2006
Lot Size	0.253 acres (11,064 sqft)
Owner	Individual Name on File
Last Sale	$437,000 (Feb 2022)
Tax Bill	$6,178 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`138034`

Property Details

APN / Parcel Number

Primary APN	`138034`
Alternative APN	`302531285800010480`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,332 sqft Heated Area
Gross Area	3,031 sqft
1st Floor Area	2,332 sqft
Flooring	Tile
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	11,064 sqft (0.253 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	258 sqft
Deck Area	448 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138034
Street Address	1031 TWISTED BRANCH LN
City	SAINT CLOUD
State	FL
Zip	34771-8914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	CHISHOLM ESTATES PB 18 PG 16-17 LOT 48
Legal Range	31E
Legal Township	25S
Legal Section	30
Legal Subdivision	CHISHOLM ESTATES
Legal Tract	2858
Legal Block	1
Legal Lot Number	48
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43600

Owner

1031 Twisted Branch Ln is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914
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
Feb 7, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Aug 9, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL BANK NA
Feb 2, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 20, 2021	Re-recorded Document ATTORNEY ONLY, ATTORNEY
Jul 12, 2017	Loan Modification, Mortgage · FHA Mortgage IMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2022 · Amount on File
Deed Sale	Feb 7, 2022 · Amount on File
Prior Sale	Aug 9, 2021 · Amount on File
Deed Document Number	2022020297
Deed Book / Page	6144 / 2773
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2022
Property Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914
Document Number	0061442773
Book / Page	6144 / 2773
Map Reference	MB 18 PG 16&17
Instrument Date	Jan 31, 2022
Instrument	2022020297
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	SAINT LAWRENCE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,059.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3215 QUEEN ALEXANDERA DR, VERNON CENTER, NY 13477

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914

Mortgage

Document Number	0061442775
Date	Feb 7, 2022
Instrument	6144/2775

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2021
Property Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914
Document Number	0060190511
Book / Page	6019 / 511
Map Reference	MB 18 PG 16&17
Instrument Date	Aug 6, 2021
Instrument	2021123064
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	503 NEPTUNE BAY CIR # 7, 7, SAINT CLOUD, FL 34769-7005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914

Mortgage

Document Number	0006019513
Date	Aug 9, 2021
Instrument	6019/513

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 2, 2021
Property Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914
Document Number	0058820204
Book / Page	5882 / 204
Map Reference	MB 1 PG 4&5
Instrument Date	Jan 29, 2021
Instrument	2021014428
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 ACORN OAKS CIR APT 142, 142, CHATTANOOGA, TN 37405-2165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1Q31 TWISTED BRANCH LANE, SAINT CLOUD, FL 34771

August 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	OSCEOLA FL
Recording Date	Aug 20, 2021
Property Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914
Document Number	0060270604
Book / Page	6027 / 604
Map Reference	MB 18 PG 16&17
Instrument Date	Aug 10, 2017
Instrument	2021129827
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1031 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8914
Document Number	0052081830
Book / Page	005208 / 001830
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1031 TWISTED BRANCH LN ST CLOUD FL 347718914, ST CLOUD, FL 34771-8914

Mortgage

Document Number	0052081830
Date	Sep 15, 2017
Book Page	005208/001830
Instrument	131100

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1031 Twisted Branch Ln was $6,178 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	$6,178.00 Homeowner's exemption	$399,000 Land $65,000 Building $334,000	$399,000 Land $65,000 Building $334,000
2023	$6,007.00 (+21.3%) Homeowner's exemption	$392,500 (+36.76%) Land $65,000 Building $327,500	$392,500 (+36.76%) Land $65,000 Building $327,500
2022	$4,952.00	$287,000 Land $55,000 Building $232,000	$287,000 Land $55,000 Building $232,000

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

Flood

FEMA maps place 1031 Twisted Branch Ln in Zone X, an area of moderate flood risk, within 500 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 500 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 1031 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

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