7070 Branch Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7070 Branch Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,328 sqft · built 1988
Lot Size	1 acres (43,734 sqft)
Owner	Individual Name on File
Last Sale	$499,000 (Aug 2023)
Tax Bill	$6,075 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`103044`

Property Details

APN / Parcel Number

Primary APN	`103044`
Alternative APN	`182632259900010270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,328 sqft Heated Area
Gross Area	2,048 sqft
1st Floor Area	1,328 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2014
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,734 sqft (1 acres)
Garage Type	Finished
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	560 sqft
Patio Area	602 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103044
Street Address	7070 BRANCH CT
City	SAINT CLOUD
State	FL
Zip	34771-7308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 27
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UN 3
Legal Tract	2599
Legal Block	1
Legal Lot Number	27
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records · APN 103044

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 09, 2025	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Aug 17, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Mar 04, 2022	Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Prior Sale	Mar 04, 2022 · Amount on Record
Deed Document Number	0064592184
Deed Book / Page	6459 / 2184
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308

Mortgage

Document Number	0068462171
Date	Sep 09, 2025
Book Page	6846/2171
Instrument	2025111915

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 01, 2053

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2023
Property Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308
Document Number	0064592184
Book / Page	6459 / 2184
Map Reference	MB 4 PG 59
Instrument Date	Aug 17, 2023
Instrument	2023108542
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	WEST ORANGE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	385 BLUE BAYOU DR, KISSIMMEE, FL 34743-6110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308

Mortgage

Document Number	0064592185
Date	Aug 17, 2023
Instrument	6459/2185

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 04, 2022
Property Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308
Document Number	0061640327
Book / Page	6164 / 327
Map Reference	MB 4 PG 59
Instrument Date	Feb 28, 2022
Instrument	2022035174
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,856.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3795 LAKEVIEW ACRES RD, 3795, SAINT CLOUD, FL 34772-7578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308

Mortgage

Document Number	0006164329
Date	Mar 04, 2022
Instrument	6164/329

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308

Mortgage

Document Number	0059131712
Date	Mar 16, 2021
Book Page	5913/1712
Instrument	2021039277

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7070 BRANCH CT, SAINT CLOUD, FL 34771-7308
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	QUALITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054390362
Date	Nov 28, 2018
Book Page	5439/0362
Instrument	2018173908

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,075.00 (+37.07%)	$387,100 (+41.85%) Land $108,000 Building $279,100	$387,100 (+41.85%) Land $108,000 Building $279,100
2023	$4,432.00 (+94.98%)	$272,900 (+68.93%) Land $85,000 Building $187,900	$272,900 (+22.32%) Land $85,000 Building $187,900
2022	$2,273.00 Homeowner's exemption	$161,549	$223,100 Land $68,000 Building $155,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 192 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023, rainfall accumulation

Wildfire

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	About 1 in 154 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 86 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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