1040 Gary Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1040 Gary Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2002
Square Footage	1,323 sqft Living Area
Lot Size	7,797 sqft (0.179 acres)
Garage	Attached, 462 sqft
Last Sale	$210,500 (2005)
Tax Bill	$3,705.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`07-26-31-3559-0001-0070`
Alternative APNs	`263107355900010070` `96681`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,323 sqft Living Area
Gross Area	1,920 sqft Gross Area
1st Floor	1,323 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
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,797 sqft (0.179 acres)
Depth X Width	121 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	462 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	80 sqft Shed
Patio Area	250 sqft Patio
Porch Area	135 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1040 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 7
Legal Range	31E
Legal Township	26S
Legal Section	07
Legal Subdivision	JOHNSONS LANDING
Legal Tract	3559
Legal Block	70
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2043
Census Tract	43303

Owner

Source: Osceola County records · APN 07-26-31-3559-0001-0070

Assessment roll updated November 26, 2025 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3249 PACKARD AVE, SAINT CLOUD, FL 34772-8126
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 27, 2005 · Amount on Record
Deed Sale	Sep 27, 2005 · Amount on Record
Prior Sale	Sep 17, 2001 · Amount on Record
Deed Doc Number	2005212167
Deed Book / Page	2908 / 847
Last Transfer Date	Mar 29, 2021
Transfer Doc	0059252841
Record Refreshed	Sep 20, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 01, 2021
Property Address	1040 GARY DR, SAINT CLOUD, FL 34772-8933
Document Number	0059252841
Book / Page	5925 / 2841
Map Reference	MB 7 PG 58
Instrument Date	Mar 29, 2021
Instrument	2021048981
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3249 PACKARD AVE, SAINT CLOUD, FL 34772-8126

Mortgage

Document Number	0059252843
Date	Apr 01, 2021
Instrument	5925/2843

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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	$3,718.00 (+0.35%)	$207,500 (+11.14%) Land $51,000 Building $156,500	$207,500 (+11.14%) Land $51,000 Building $156,500
2024	$3,705.00 (+7.45%)
2023	$3,448.00 (+10.8%)	$186,700 (+12.88%) Land $42,000 Building $144,700	$186,700 (+12.88%) Land $42,000 Building $144,700
2022	$3,112.00	$165,400 Land $42,000 Building $123,400	$165,400 Land $42,000 Building $123,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft

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.