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1038 Twisted Branch Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1038 Twisted Branch Ln, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,069 sqft · built 2006
Lot Size0.305 acres (13,286 sqft)
Owner2 Individual Names on Record
Last Sale$325,000 (Aug 2006)
Tax Bill$3,584 (2025)
Deeds & MortgagesSep 2018 Loan Modification
Flood ZoneZone X (moderate risk)
APN138029

Property Details

APN / Parcel Number

Primary APN138029
Alternative APN
  • 302531285800010430

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,069 sqft Heated Area
Gross Area3,918 sqft
1st Floor Area3,069 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,286 sqft (0.305 acres)
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area429 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number138029
Street Address1038 TWISTED BRANCH LN
CitySAINT CLOUD
StateFL
Zip34771-8915
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-2
Legal DescriptionCHISHOLM ESTATES PB 18 PG 16-17 LOT 43
Legal Range31E
Legal Township25S
Legal Section30
Legal SubdivisionCHISHOLM ESTATES
Legal Tract2858
Legal Block1
Legal Lot Number43
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address1038 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2006 · Amount on Record
Deed SaleAug 31, 2006 · Amount on Record
Deed Document Number0032872189
Record UpdatedJun 8, 2026

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address1038 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Document Number0054041971
Instrument DateSep 13, 2018
Transaction TypeMortgage
Record UpdatedOct 5, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1038 TWISTED BRANCH LN ST CLOUD FL 347718915, ST CLOUD, FL 34771-8915

Mortgage

Document Number0054041971
DateSep 21, 2018
Book Page005404/001971
Instrument142122
Lender
NameSUNTRUST BK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 20, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,584.00 (+8.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$216,794 (+5.99%)$391,200 (+1.61%) Land $65,000 Building $326,200
2023$3,312.00 (+7.32%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$204,549 (+3%)$385,000 (+39.54%) Land $65,000 Building $320,000
2022$3,086.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$198,592$275,900 Land $55,000 Building $220,900

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 RiskModerate
above 66% of the US · above 44% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 70 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35

May also be available: CenturyLink, Spectrum.

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