1020 Gary Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1020 Gary Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2002
Square Footage	1,128 sqft Living Area
Lot Size	9,321 sqft (0.214 acres)
Occupancy	Owner Occupied
Last Sale	$93,500 (2009)
Tax Bill	$906.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`07-26-31-3559-0001-0080`
Alternative APNs	`263107355900010080` `96682`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,128 sqft Living Area
Gross Area	1,584 sqft Gross Area
1st Floor	1,128 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,321 sqft (0.214 acres)
Depth X Width	137 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	400 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	80 sqft Shed
Patio Area	140 sqft Patio
Porch Area	56 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1020 GARY DR
City	SAINT CLOUD
State	FL
Zip	34772-8933
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	JOHNSONS LANDING PB 7 PG 58 LOT 8
Legal Range	31E
Legal Township	26S
Legal Section	07
Legal Subdivision	JOHNSONS LANDING
Legal Tract	3559
Legal Block	80
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2043
Census Tract	43303

Owner

Source: Osceola County records · APN 07-26-31-3559-0001-0080

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	1020 GARY DR, SAINT CLOUD, FL 34772-8933
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2009 · Amount on Record
Deed Sale	Jan 22, 2009 · Amount on Record
Prior Sale	Apr 26, 2002 · Amount on Record
Deed Doc Number	200910521
Deed Book / Page	3788 / 2366
Prior Transfer Date	Dec 23, 2008
Prior Transfer Doc	0037882366
Record Refreshed	Jun 08, 2026

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1020 GARY DR, SAINT CLOUD, FL 34772-8933
Document Number	0051430997
Instrument Date	May 01, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	1020 GARY DR ST CLOUD FL 347728933, ST CLOUD, FL 34772-8933

Mortgage

Document Number	0051430997
Date	May 05, 2017
Book Page	005143/000997
Instrument	66520

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 04, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$4.00 (-99.56%) Homeowner's exemption Veteran's exemption	$101,126 (+5.99%)	$196,900 (+11.31%) Land $51,000 Building $145,900
2024	$906.00 (-69.15%)
2023	$2,937.00 (+2.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$95,414 (+3%)	$176,900 (+12.6%) Land $42,000 Building $134,900
2022	$2,857.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$92,635	$157,100 Land $42,000 Building $115,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 704 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.