1150 Gary Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1150 Gary Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 1993
Lot Size	0.192 acres (8,363 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Apr 2018)
Tax Bill	$4 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-31-3559-0001-0010`

Property Details

APN / Parcel Number

Primary APN	`07-26-31-3559-0001-0010`
Alternative APNs	`263107355900010010` `96675`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	2,174 sqft
1st Floor Area	1,490 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,363 sqft (0.192 acres)
Lot Dimensions	100 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	284 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1150 GARY DR
City	SAINT CLOUD
State	FL
Zip	34772-8946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	JOHNSONS LANDING PB 7 PG 58 LOT 1
Legal Range	31E
Legal Township	26S
Legal Section	07
Legal Subdivision	JOHNSONS LANDING
Legal Tract	3559
Legal Block	10
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2043
Census Tract	43303

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1150 GARY DR, SAINT CLOUD, FL 34772-8946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2018 · Amount on Record
Deed Sale	Apr 26, 2018 · Amount on Record
Prior Sale	Apr 13, 2007 · Amount on Record
Deed Document Number	201865979
Deed Book / Page	5323 / 750
Prior Transfer Date	Mar 29, 2007
Prior Transfer Doc	0034560896
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1150 GARY DR, SAINT CLOUD, FL 34772-8946
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056221209
Date	Nov 12, 2019
Book Page	5622/1209
Instrument	2019147209

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2018
Property Address	1150 GARY DR, SAINT CLOUD, FL 34772-8946
Document Number	0053230750
Book / Page	5323 / 0750
Map Reference	MB7 PG58
Instrument Date	Mar 29, 2018
Instrument	2018065979
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LEADING EDGE TITLE OF CENTRA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2607 LAKE WADE CT, 2607, ORLANDO, FL 32806-4610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1150 GARY DR, SAINT CLOUD, FL 34772-8946

Mortgage

Document Number	0053230752
Date	Apr 26, 2018
Book Page	5323/0752
Instrument	2018065980

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 (-99.56%) Homeowner's exemption Veteran's exemption Widower's exemption	$179,480 (+5.99%)	$233,800 (+10.81%) Land $51,000 Building $182,800
2024	$906.00 (+2.84%)
2023	$881.00 (+9.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$169,342 (+3%)	$211,000 (+13.38%) Land $42,000 Building $169,000
2022	$801.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$164,410	$186,100 Land $42,000 Building $144,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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