1403 Flatwood St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1403 Flatwood St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,509 sqft · built 2022
Lot Size	0.11 acres (4,791 sqft)
Owner	Company Name on File
Last Sale	$410,200 (Dec 2022)
Tax Bill	$4,982 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5525-0001-2160`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5525-0001-2160`
Alternative APN	`253116552500012160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,509 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,509 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	430 sqft
Porch	Finished/Open Porch
Porch Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1403 FLATWOOD ST
City	SAINT CLOUD
State	FL
Zip	34771-7647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIREGRASS PH 2 PB 30 PGS 170-173 LOT 216
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	WIREGRASS PHS 2
Legal Phase	2
Legal Lot Number	216
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

1403 Flatwood St is owned by a company that acquired it in June 2023.

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

Owner of Record	Company Name on File
Mailing Address	6836 CARNEGIE BLVD, 320, CHARLOTTE, NC 28211-4399
Owner Type	Company
Vesting	Limited Liability Partnership

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

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2024	Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA
Jun 27, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 13, 2022	Special Warranty Deed, Transfer UNKNOWN, APOLLO TITLE COMPANY
Jul 25, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on File
Deed Sale	Dec 13, 2022 · Amount on File
Deed Document Number	2022178010
Deed Book / Page	6328 / 2243
Last Transfer Date	Jun 12, 2023
Transfer Doc	0064311243
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1403 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066522597
Date	Aug 21, 2024
Book Page	6652/2597
Instrument	2024108623

Lender

Name	ROYAL BANK OF CANADA
Type	Bank
Address	NEW YORK, NY 10281

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2023
Property Address	1403 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Document Number	0064311243
Book / Page	6431 / 1243
Map Reference	MB 30 PG 170-173
Instrument Date	Jun 12, 2023
Instrument	2023082887
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 CHARLOTTE DR, CHARLOTTE, NC 28226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6836 CARNEGIE BLVD, CHARLOTTE, NC 28211-2612
Investor	Possibly a Property Investor

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 13, 2022
Property Address	1403 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Document Number	0063282243
Book / Page	6328 / 2243
Map Reference	MB 30 PG 170-173
Instrument Date	Dec 9, 2022
Instrument	2022178010
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, APOLLO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$2,871.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 E WASHINGTON ST, ORLANDO, FL 32801-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6836 CARNEGIE BLVD STE 320, 320, CHARLOTTE, NC 28211-4399
Investor	Possibly a Property Investor

July 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2023
Property Address	1403 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Document Number	0064451005
Book / Page	6445 / 1005
Map Reference	MB 29 PG 73-78
Instrument Date	Sep 25, 2021
Instrument	2023095490
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3801 AVALON PARK EAST BOULEVARD STE 400, 400, ORLANDO, FL 32828-4902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11710 PLAZA AMERICA DR STE 1100, 1100, RESTON, VA 20190-4771
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1403 Flatwood St was $4,982, up 2.2% from the year before.

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	$4,982.00 (+2.22%)	$308,200 Land $75,000 Building $233,200	$308,200 Land $75,000 Building $233,200
2024	$4,874.00 (+0.33%)
2023	$4,858.00 (+532.55%)	$303,400 (+451.64%) Land $75,000 Building $228,400	$303,400 (+451.64%) Land $75,000 Building $228,400
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1403 Flatwood St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 330 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Wildfire risk around 1403 Flatwood St is high, ranking above 82% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.9% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Hotwire Communications, Utah Broadband, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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