3148 Twisted Oak Loop, Kissimmee, FL 34744 Property Records

Osceola County property record for 3148 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	2 Individual Names on File
Last Sale	$265,000 (Oct 2014)
Tax Bill	$6,944 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-31-3111-0001-1650`

Property Details

APN / Parcel Number

Primary APN	`05-25-31-3111-0001-1650`
Alternative APNs	`253105311100011650` `129629`

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	3148 TWISTED OAK LOOP
City	KISSIMMEE
State	FL
Zip	34744-9254
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 165 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	1650
Legal Lot Number	165
Legal Unit	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3015
Census Tract	42800

Owner

3148 Twisted Oak Loop is owned and occupied by two individuals who bought it in October 2014.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254
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

Date	Document
Nov 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2014 · Amount on File
Deed Sale	Oct 27, 2014 · Amount on File
Prior Sale	Nov 2, 2009 · Amount on File
Deed Document Number	2014158870
Deed Book / Page	4686 / 1665
Prior Transfer Date	Oct 13, 2009
Prior Transfer Doc	0039041227
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254
Transaction Type	Mortgage
Record Updated	Dec 6, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254

Mortgage

Document Number	0065001239
Date	Nov 3, 2023
Book Page	6500/1239
Instrument	2023145536

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2038

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254

Mortgage

Document Number	0062050755
Date	May 2, 2022
Book Page	6205/755
Instrument	2022069243

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3148 TWISTED OAK LOOP, KISSIMMEE, FL 34744-9254

Mortgage

Document Number	0059550045
Date	May 11, 2021
Book Page	5955/45
Instrument	2021071876

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3148 Twisted Oak Loop was $6,944, up 5.3% from the year before.

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	$6,944.00 (+5.26%)	$466,500 Land $80,000 Building $386,500	$466,500 Land $80,000 Building $386,500
2024	$6,597.00 (+4.52%)
2023	$6,312.00 (+12.39%)	$475,700 (+16.76%) Land $80,000 Building $395,700	$475,700 (+16.76%) Land $80,000 Building $395,700
2022	$5,616.00	$407,400 Land $60,000 Building $347,400	$407,400 Land $60,000 Building $347,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3148 Twisted Oak Loop in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2017.

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 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

Wildfire risk around 3148 Twisted Oak Loop is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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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