1434 Flatwood St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1434 Flatwood St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,166 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$523,600 (Sep 2022)
Tax Bill	$6,066 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531552500012310`

Property Details

APN / Parcel Number

Primary APN	`162531552500012310`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,166 sqft Heated Area
Gross Area	3,756 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1434 FLATWOOD ST
City	SAINT CLOUD
State	FL
Zip	34771-7646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIREGRASS PH 2 PB 30 PGS 170-173 LOT 231
Legal Subdivision	WIREGRASS PHS 2
Legal Phase	2
Legal Lot Number	231
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43700

Owner

1434 Flatwood St is owned and occupied by an individual who bought it in September 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1434 FLATWOOD ST, SAINT CLOUD, FL 34771-7646
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Deed Document Number	2022145240
Deed Book / Page	6291 / 2591
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2022
Property Address	1434 FLATWOOD ST, SAINT CLOUD, FL 34771-7646
Document Number	0062912591
Book / Page	6291 / 2591
Map Reference	MB 30 PG 170-173
Instrument Date	Sep 20, 2022
Instrument	2022145240
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,665.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1434 FLATWOOD ST, SAINT CLOUD, FL 34771-7646

Mortgage

Document Number	0062912593
Date	Sep 27, 2022
Instrument	6291/2593

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1434 Flatwood St was $6,066 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$6,066.00 Homeowner's exemption	$427,300 Land $78,800 Building $348,500	$427,300 Land $78,800 Building $348,500
2023	$6,628.00 (+721.31%) Homeowner's exemption	$470,300 (+713.67%) Land $78,800 Building $391,500	$470,300 (+713.67%) Land $78,800 Building $391,500
2022	$807.00	$57,800 Land $57,800	$57,800 Land $57,800

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 1434 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 1434 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

Nearby Properties on Flatwood St

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