Osceola County property record for 1021 Gary Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2002 |
| Square Footage | 1,436 sqft Heated Area |
| Lot Size | 8,973 sqft (0.205 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $210,000 (2019) |
| Tax Bill | $2,567.00 (2025) |
| Primary APN | 96686 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,436 sqft Heated Area |
| Gross Area | 1,926 sqft Gross Area |
| 1st Floor | 1,436 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,973 sqft (0.205 acres) |
| Depth X Width | 138 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 440 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Patio Area | 192 sqft Patio |
| Porch | Open Porch |
| Porch Area | 50 sqft Porch |
| Gazebo | 152 sqft Gazebo |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 96686 |
|---|---|
| Street Address | 1021 GARY DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8920 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | JOHNSONS LANDING PB 7 PG 58 LOT 11 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 07 |
| Legal Subdivision | JOHNSON S LANDING |
| Legal Tract | 3559 |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2043 |
| Census Tract | 43303 |
Source: Osceola County records · APN 96686
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 |
|---|---|
| Mailing Address | 1021 GARY DR, SAINT CLOUD, FL 34772-8920 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 12, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 12, 2019 · Amount on Record |
| Deed Sale | Feb 12, 2019 · Amount on Record |
| Prior Sale | May 31, 2013 · Amount on Record |
| Deed Doc Number | 2019017845 |
| Deed Book / Page | 5475 / 1945 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1021 GARY DR, SAINT CLOUD, FL 34772-8920 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1021 GARY DR, SAINT CLOUD, FL 34772-8920 |
| Document Number | 0059460228 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 5946/228 |
| Instrument | 2021064712 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | May 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 12, 2019 |
| Property Address | 1021 GARY DR, SAINT CLOUD, FL 34772-8920 |
| Document Number | 0054751945 |
| Book / Page | 5475 / 1945 |
| Map Reference | MB 7 PG 58 |
| Instrument Date | Feb 06, 2019 |
| Instrument | 2019017845 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4141 BALD EAGLE DR, 4141, KISSIMMEE, FL 34746-2901 |
| Name | Verified Name |
|---|---|
| Address | 1021 GARY DR, SAINT CLOUD, FL 34772-8920 |
| Document Number | 0054751949 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 5475/1949 |
| Instrument | 2019017846 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
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 | $2,567.00 (-7.5%) Homeowner's exemption | $186,314 (+5.99%) | $224,400 (+10.65%) Land $51,000 Building $173,400 |
| 2023 | $2,775.00 (+5.71%) Homeowner's exemption | $175,791 (+3%) | $202,800 (+12.79%) Land $42,000 Building $160,800 |
| 2022 | $2,625.00 Homeowner's exemption | $170,671 | $179,800 Land $42,000 Building $137,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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