Osceola County property record for 1040 Twisted Branch Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,053 sqft · built 2008 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Feb 2009) |
| Tax Bill | $3,333 (2023) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-25-31-2858-0001-0440 |
| Primary APN | 30-25-31-2858-0001-0440 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,053 sqft Living Area |
| Gross Area | 4,002 sqft |
| 1st Floor Area | 3,053 sqft |
| Flooring | Carpet |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,193 sqft (0.234 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1040 TWISTED BRANCH LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHISHOLM ESTATES PB 18 PG 16-17 LOT 44 |
| Legal Subdivision | CHISHOLM ESTATES |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records · APN 30-25-31-2858-0001-0440
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1040 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Nov 12, 2024 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 11, 2009 · Amount on Record |
| Deed Sale | Feb 11, 2009 · Amount on Record |
| Deed Document Number | 200922826 |
| Deed Book / Page | 3797 / 968 |
| Last Transfer Date | Sep 18, 2024 |
| Transfer Doc | 0066932919 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1040 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0058951000 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5895/1000 |
| Instrument | 2021024805 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 12, 2024 |
| Property Address | 1040 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915 |
| Document Number | 0066932919 |
| Book / Page | 6693 / 2919 |
| Map Reference | MB 18 PG 16&17 |
| Instrument Date | Sep 18, 2024 |
| Instrument | 2024143000 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | BLACKROCK TITLE AGENCY, BLACKSPARK TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8818 VILLA VIEW CIRCLE APT 301, 301, ORLANDO, FL 32821-4103 |
| Name | Verified Name |
|---|---|
| Address | 1040 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915 |
| Document Number | 2024143001 |
|---|---|
| Date | Nov 12, 2024 |
| Instrument | 2024143001 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2054 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $218,349 | $394,300 Land $65,000 Building $329,300 | |
| 2023 | $3,333.00 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 60 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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