Osceola County property record for 1020 Cutke Rd, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,864 sqft · built 2020 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Oct 2021) |
| Tax Bill | $5,151 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531547700010270 |
| Primary APN | 202531547700010270 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,864 sqft Heated Area |
| Gross Area | 2,685 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1020 CUTKE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WIGGINS RESERVE PB 27 PG 41 LOT 27 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | WIGGINS RESERVE |
| Legal Tract | 5477 |
| Legal Lot Number | 27 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531547700010270
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 | 1020 CUTKE RD, SAINT CLOUD, FL 34771-9578 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Mar 25, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 27, 2021 · Amount on Record |
| Deed Sale | Oct 27, 2021 · Amount on Record |
| Prior Sale | Mar 25, 2020 · Amount on Record |
| Deed Document Number | 2021166878 |
| Deed Book / Page | 6073 / 2268 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 27, 2021 |
| Property Address | 1020 CUTKE RD, SAINT CLOUD, FL 34771-9578 |
| Document Number | 0060732268 |
| Book / Page | 6073 / 2268 |
| Map Reference | MB 27 PG 41 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 2021166878 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 76901 E TIMOTHY LN, 76901, KENNEWICK, WA 99338-0026 |
| Name | Verified Name |
|---|---|
| Address | 1020 CUTKE RD, SAINT CLOUD, FL 34771-9578 |
| Document Number | 0060732270 |
|---|---|
| Date | Oct 27, 2021 |
| Instrument | 6073/2270 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 25, 2020 |
| Property Address | 1020 CUTKE RD, SAINT CLOUD, FL 34771-9578 |
| Document Number | 0056971535 |
| Book / Page | 5697 / 1535 |
| Map Reference | MB 27 PG 41 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 2020041994 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,209.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 1020 CUTKE RD, SAINT CLOUD, FL 34771-9578 |
| Document Number | 0056971536 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 5697/1536 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,151.00 (+6.87%) Homeowner's exemption | $361,231 (+5.99%) | $384,800 (+1.61%) Land $60,000 Building $324,800 |
| 2023 | $4,820.00 (+3.88%) Homeowner's exemption | $340,827 (+3%) | $378,700 (+14.45%) Land $60,000 Building $318,700 |
| 2022 | $4,640.00 Homeowner's exemption | $330,900 Land $60,000 Building $270,900 | $330,900 Land $60,000 Building $270,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 330 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022, tidal / storm surge, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 340 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 363 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Xfinity, T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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