1378 Twelve Oaks Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1378 Twelve Oaks Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$485,990 (Sep 2026)
Tax Bill	$2,691 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-25-31-0943-0001-0280`

Property Details

APN / Parcel Number

Primary APN	`32-25-31-0943-0001-0280`
Alternative APN	`253132094300010280`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	1378 TWELVE OAKS RD
City	SAINT CLOUD
State	FL
Zip	34771-6218
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	CENTER LAKE ON THE PARK PB 35 PGS 74-79 LOT 28
Legal Subdivision	CENTER LAKE ON THE PARK
Legal Lot Number	28
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43700

Owner

1378 Twelve Oaks Rd, vacant land, is owned and occupied by two individuals who bought it in September 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1378 TWELVE OAKS RD, SAINT CLOUD, FL 34771-6218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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	Sep 15, 2026 · Amount on File
Deed Sale	Sep 15, 2026 · Amount on File
Deed Document Number	2026120120
Deed Book / Page	7035 / 1193
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2026
Property Address	1378 TWELVE OAKS RD, SAINT CLOUD, FL 34771-6218
Document Number	0000120120
Book / Page	7035 / 1193
Instrument Date	Sep 11, 2026
Instrument	2026120120
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 29, 2026
Title Company	M/I TITLE LLC, M/I TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343,594.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1378 TWELVE OAKS RD, SAINT CLOUD, FL 34771-6218

Mortgage

Document Number	0000120121,
Date	Sep 15, 2026
Book Page	7035/1195
Instrument	2026120121

Lender

Name	MI FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1378 Twelve Oaks Rd was $2,691, up 277.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,691.00 (+277.42%)	$70,000 Land $70,000	$70,000 Land $70,000
2024	$713.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1378 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 1378 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