1348 Twelve Oaks Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1348 Twelve Oaks Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$477,990 (Apr 2025)
Tax Bill	$2,691 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`322531094300010330`

Property Details

APN / Parcel Number

Primary APN	`322531094300010330`

Exterior

Lot Area	3,920 sqft (0.089 acres)

Location & Zoning

Street Address	1348 TWELVE OAKS RD
City	SAINT CLOUD
State	FL
Zip	34771-6218
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	CENTER LAKE ON THE PARK PB 35 PGS 74-79 LOT 33
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43700

Owner

1348 Twelve Oaks Rd, residential vacant land, is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1348 TWELVE OAKS RD, SAINT CLOUD, FL 34771-6218
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2025 · Amount on File
Deed Sale	Apr 21, 2025 · Amount on File
Deed Document Number	2025050053
Deed Book / Page	6774 / 1963
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 21, 2025
Property Address	1348 TWELVE OAKS RD, SAINT CLOUD, FL 34771-6218
Document Number	0067741963
Book / Page	6774 / 1963
Map Reference	MB 35 PG 74-79
Instrument Date	Apr 18, 2025
Instrument	2025050053
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,346.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1348 TWELVE OAKS RD, SAINT CLOUD, FL 34771-6218

Mortgage

Document Number	0067741965
Date	Apr 21, 2025
Instrument	6774/1965

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

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

Flood

FEMA maps place 1348 Twelve Oaks 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 1348 Twelve Oaks Rd is high, ranking above 81% 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 81% of the US · above 72% 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 9 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
Verizon Fixed Wireless	300 / 20