Osceola County property record for 1458 Flatwood St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,855 sqft · built 2022 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Feb 2023) |
| Tax Bill | $6,903 (2025) |
| Deeds & Mortgages | Feb 2025 Mortgage Feb 2023 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-5525-0001-2280 |
| Primary APN | 16-25-31-5525-0001-2280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,855 sqft Living Area |
| Gross Area | 3,583 sqft |
| 1st Floor Area | 1,257 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 208 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1458 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 228 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | WIREGRASS PHS 2 |
| Legal Phase | 2 |
| Legal Lot Number | 228 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 43700 |
1458 Flatwood St is owned and occupied by an individual who bought it in February 2023.
Source: Osceola County records, as of August 3, 2026
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 File |
|---|---|
| Mailing Address | 1458 FLATWOOD ST, SAINT CLOUD, FL 34771-7646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Feb 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage A&D MORTGAGE LLC |
| Feb 15, 2023 | Special Warranty Deed, Construction Loan · Construction Mortgage JLM CAPITAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2023 · Amount on File |
| Deed Sale | Feb 15, 2023 · Amount on File |
| Prior Sale | Jan 10, 2022 · Amount on File |
| Deed Document Number | 202318708 |
| Deed Book / Page | 6358 / 2355 |
| Prior Transfer Date | Dec 17, 2021 |
| Prior Transfer Doc | 0000004886 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1458 FLATWOOD ST, SAINT CLOUD, FL 34771-7646 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1458 FLATWOOD ST, SAINT CLOUD, FL 34771-7646 |
| Document Number | 0067410275 |
|---|---|
| Date | Feb 14, 2025 |
| Book Page | 6741/275 |
| Instrument | 2025020052 |
| Name | A&D MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT LAUDERDALE, FL 33309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 15, 2023 |
| Property Address | 1458 FLATWOOD ST, SAINT CLOUD, FL 34771-7646 |
| Document Number | 0063582355 |
| Book / Page | 6358 / 2355 |
| Map Reference | MB 30 PG 170-173 |
| Instrument Date | Feb 13, 2023 |
| Instrument | 2023018708 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, APOLLO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4700 MILLENIA BLVD STE 290, 290, ORLANDO, FL 32839-6022 |
| Name | Verified Name |
|---|---|
| Address | 1458 FLATWOOD ST, SAINT CLOUD, FL 34771-7646 |
| Document Number | 0063582360 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 6358/2360 |
| Name | JLM CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
The 2025 property tax bill for 1458 Flatwood St was $6,903.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,903.00 | $446,800 Land $78,800 Building $368,000 | $446,800 Land $78,800 Building $368,000 |
| 2023 | $6,755.00 (+737.05%) | $439,200 (+659.86%) Land $78,800 Building $360,400 | $439,200 (+659.86%) Land $78,800 Building $360,400 |
| 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.
FEMA maps place 1458 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 |
|
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 risk around 1458 Flatwood St is high, ranking above 82% of the US, with a 0.8% 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 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
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