1048 Twisted Branch Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1048 Twisted Branch Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,475 sqft · built 2006
Lot Size	0.247 acres (10,759 sqft)
Owner	2 Company Names on File
Last Sale	$410,000 (Aug 2021)
Tax Bill	$4,865 (2025)
Deeds & Mortgages	Sep 2026 Transfer Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-25-31-2858-0001-0550`

Property Details

APN / Parcel Number

Primary APN	`30-25-31-2858-0001-0550`
Alternative APNs	`253130285800010550` `138041`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,475 sqft Living Area
Gross Area	2,975 sqft
1st Floor Area	2,475 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,759 sqft (0.247 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	728 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1048 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 55
Legal Range	31E
Legal Township	25S
Legal Section	30
Legal Subdivision	CHISHOLM ESTATES
Legal Tract	2858
Legal Block	550
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of October 13, 2026

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 Record	2 Company Names on File
Mailing Address	1048 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on File
Deed Sale	Aug 24, 2021 · Amount on File
Prior Sale	Jun 13, 2012 · Amount on File
Deed Document Number	2021131469
Deed Book / Page	6029 / 583
Last Transfer Date	Aug 26, 2026
Transfer Doc	0000124540
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2026
Property Address	1048 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Document Number	0000124540
Book / Page	7040 / 1415
Instrument Date	Aug 26, 2026
Instrument	2026124540
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	1048 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1048 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3587 SODA SPRINGS LN, KISSIMMEE, FL 34744-9009

Mortgage

Document Number	0061710499
Date	Mar 14, 2022
Book Page	6171/499
Instrument	2022040754

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 24, 2021
Property Address	1048 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915
Document Number	0060290583
Book / Page	6029 / 583
Map Reference	MB 18 PG 16&17
Instrument Date	Aug 9, 2021
Instrument	2021131469
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9317 SONIA ST, ORLANDO, FL 32825-8027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 TWISTED BRANCH LN, SAINT CLOUD, FL 34771-8915

Mortgage

Document Number	0006029585
Date	Aug 24, 2021
Instrument	6029/585

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,865.00 (+5.05%)	$304,187 (+5.99%)	$407,300 (+1.62%) Land $65,000 Building $342,300
2024	$4,631.00 (+2.14%)
2023	$4,534.00 (+6.08%) Homeowner's exemption	$287,005 (+3%)	$400,800 (+39.51%) Land $65,000 Building $335,800
2022	$4,274.00 Homeowner's exemption	$278,646	$287,300 Land $55,000 Building $232,300

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 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 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

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% 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	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 70 locations within half a mile, as of December 31, 2025

Provider	Max 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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