3147 Twisted Oak Loop, Kissimmee, FL 34744 Property Records

Osceola County property record for 3147 Twisted Oak Loop, Kissimmee, FL 34744

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,854 sqft · built 2005
Lot Size	0.344 acres (14,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,476 (Oct 2018)
Tax Bill	$2,909 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-31-3111-0001-1530`

Property Details

APN / Parcel Number

Primary APN	`05-25-31-3111-0001-1530`
Alternative APNs	`253105311100011530` `129617`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,854 sqft Living Area
Gross Area	3,733 sqft
1st Floor Area	2,854 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
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	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	273 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3147 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 153 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	1530
Legal Lot Number	153
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit HOMESIDE FINANCIAL LLC
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 10, 2018	Quit Claim Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2018 · Amount on Record
Deed Sale	Oct 10, 2018 · Amount on Record
Prior Sale	Sep 25, 2008 · Amount on Record
Deed Document Number	2018152385
Deed Book / Page	5415 / 1578
Prior Transfer Date	Sep 18, 2018
Prior Transfer Doc	0054151578
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255

Mortgage

Document Number	0065821426
Date	Apr 15, 2024
Book Page	6582/1426
Instrument	2024047920

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2064

Interest

Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054151593
Date	Oct 10, 2018
Book Page	5415/1593
Instrument	2018152387

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255

Mortgage

Document Number	0061720969
Date	Mar 15, 2022
Book Page	6172/969
Instrument	2022041605

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2037

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2018
Property Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Document Number	0054151578
Book / Page	5415 / 1578
Map Reference	MB17 PG74-76
Instrument Date	Sep 18, 2018
Instrument	2018152385
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MEYMAX TITLE AGENCY OF OHIO

Transaction

Amount	Amount Recorded
Tax	$759.50
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255

Mortgage

Document Number	2018152386
Date	Oct 10, 2018
Instrument	2018152386

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3147 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9255
Document Number	0052640427
Book / Page	005264 / 000427
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3147 TWISTED OAK LOOP KISSIMMEE FL 347449255, KISSIMMEE, FL 34744-9255

Mortgage

Document Number	0052640427
Date	Jan 4, 2018
Book Page	005264/000427
Instrument	2238

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 3, 2033

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	$2,909.00 (+5.82%) Homeowner's exemption	$199,397 (+5.99%)	$450,000 (-1.9%) Land $80,000 Building $370,000
2024	$2,749.00 (+2.27%)
2023	$2,688.00 (+4.67%) Homeowner's exemption	$188,134 (+3%)	$458,700 (+16.84%) Land $80,000 Building $378,700
2022	$2,568.00 Homeowner's exemption	$182,655	$392,600 Land $60,000 Building $332,600

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
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	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 179 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
Starlink Satellite	280 / 30

May also be available: Summit Broadband, Verizon.

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