1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Flatwood St

1435 Flatwood St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1435 Flatwood St, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,791 sqft · built 2022
Lot Size0.11 acres (4,791 sqft)
Owner2 Individual Names on Record
Last Sale$386,300 (Oct 2022)
Tax Bill$5,401 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN16-25-31-5525-0001-2200

Property Details

APN / Parcel Number

Primary APN16-25-31-5525-0001-2200
Alternative APN
  • 253116552500012200

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,791 sqft Living Area
Gross Area2,325 sqft
1st Floor Area1,791 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area4,791 sqft (0.11 acres)
Garage TypeAttached
Garage Area417 sqft
PorchFinished/Open Porch
Porch Area117 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1435 FLATWOOD ST
CitySAINT CLOUD
StateFL
Zip34771-7647
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWIREGRASS PH 2 PB 30 PGS 170-173 LOT 220
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionWIREGRASS PHS 2
Legal Phase2
Legal Lot Number220
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1038
Census Tract43700

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 Record2 Individual Names on Record
Mailing Address1435 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 13, 2022 · Amount on Record
Deed SaleOct 13, 2022 · Amount on Record
Prior SaleJan 10, 2022 · Amount on Record
Deed Document Number2022152244
Deed Book / Page6299 / 543
Prior Transfer DateDec 17, 2021
Prior Transfer Doc0000004886
Record UpdatedSep 20, 2026

October 2022: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 13, 2022
Property Address1435 FLATWOOD ST, SAINT CLOUD, FL 34771-7647
Document Number0062990543
Book / Page6299 / 543
Map ReferenceMB 30 PG 170-173
Instrument DateOct 11, 2022
Instrument2022152244
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyUNKNOWN, APOLLO TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,704.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 E WASHINGTON ST, ORLANDO, FL 32801-2311

Transferred To (Grantee/Buyer)

NameVerified Name
Address1435 FLATWOOD ST, SAINT CLOUD, FL 34771-7647

Mortgage

Document Number0006299548
DateOct 13, 2022
Instrument6299/548
Lender
NamePMAC LENDING SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052
Interest
Rate TypeAdjustable Rate
Rate7.87%
Type Change DateNov 1, 2029
Change Frequency6 Months
Min Rate At Change7.87%
Max Rate At Change12.8%
IndexOther
Margin4
Max Rate12.8%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,401.00 (+2.12%)$338,400 (+1.62%) Land $75,000 Building $263,400$338,400 (+1.62%) Land $75,000 Building $263,400
2024$5,289.00 (+0.34%)
2023$5,271.00 (+586.33%)$333,000 (+505.45%) Land $75,000 Building $258,000$333,000 (+505.45%) Land $75,000 Building $258,000
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

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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

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

Wildfire RiskHigh
above 82% of the US · above 72% of Florida
Wildfire Likelihood0.8% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on Flatwood St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures