3107 Twisted Oak Loop, Kissimmee, FL 34744 Property Records

Osceola County property record for 3107 Twisted Oak Loop, Kissimmee, FL 34744

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,098 sqft · built 2005
Lot Size	0.344 acres (14,984 sqft)
Owner	Individual Name on Record
Last Sale	$217,700 (Oct 2009)
Tax Bill	$6,976 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-25-31-3111-0001-2410`

Property Details

APN / Parcel Number

Primary APN	`05-25-31-3111-0001-2410`
Alternative APNs	`253105311100012410` `129705`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,098 sqft Living Area
Gross Area	3,937 sqft
1st Floor Area	2,057 sqft
Upper Floors Area	1,041 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	397 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3107 TWISTED OAK LOOP
City	KISSIMMEE
State	FL
Zip	34744-9255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	FELLS COVE PHASE 2 UNITS 3 & 4 PB 17 PGS 74-76 LOT 241 06-25-31
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	FELLS COVE UNITS 3-4 PH 2
Legal Phase	2
Legal Tract	3111
Legal Block	2410
Legal Lot Number	241
Legal Unit	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	42800

Owner

Source: Osceola County records, as of August 25, 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 Record
Mailing Address	3107 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2009 · Amount on Record
Deed Sale	Oct 19, 2009 · Amount on Record
Prior Sale	Dec 27, 2005 · Amount on Record
Deed Document Number	2009167173
Deed Book / Page	3903 / 343
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2026
Property Address	3107 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Document Number	0000104434
Book / Page	7018 / 111
Instrument Date	Aug 3, 2026
Instrument	2026104434
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 WINDMILL AVE, WEST BABYLON, NY 11704-4338

Mortgage

Document Number	0000104434,
Date	Aug 11, 2026
Book Page	7018/111
Instrument	2026104434

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 3, 2046

Interest

Max Rate	-1%

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	$6,976.00 (+10.03%)	$468,300 (-1.93%) Land $80,000 Building $388,300	$468,300 (-1.93%) Land $80,000 Building $388,300
2023	$6,340.00 (+12.35%)	$477,500 (+16.69%) Land $80,000 Building $397,500	$477,500 (+16.69%) Land $80,000 Building $397,500
2022	$5,643.00	$409,200 Land $60,000 Building $349,200	$409,200 Land $60,000 Building $349,200

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 Record median of 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	15 (2017–2025)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 2 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	High above 72% of the US · above 56% 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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000