1603 Cloudy Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1603 Cloudy Ct, Saint Cloud, FL 34769 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2024
Square Footage	2,020 sqft Living Area
Lot Size	4,791 sqft (0.11 acres)
Occupancy	Owner Occupied
Last Sale	$374,990 (2024)
Tax Bill	$5,556.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0653-0001-3160`
Alternative APN	`263011065300013160`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,020 sqft Living Area
Gross Area	2,557 sqft Gross Area
1st Floor	765 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Tile Flooring

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional Style
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached Garage
Garage Area	399 sqft Garage
Porch Area	108 sqft Porch

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Street Address	1603 CLOUDY CT
City	SAINT CLOUD
State	FL
Zip	34769-5369
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 316
Legal Subdivision	SKY LAKES PHASE 2 3
Legal Lot Number	316
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County records · APN 11-26-30-0653-0001-3160

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1603 CLOUDY CT, SAINT CLOUD, FL 34769-5369
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Deed Doc Number	202471103
Deed Book / Page	6608 / 1681
Record Refreshed	Sep 20, 2026

May 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2024
Property Address	1603 CLOUDY CT, SAINT CLOUD, FL 34769-5369
Document Number	0066081681
Book / Page	6608 / 1681
Map Reference	MB 32 PG 98-104
Instrument Date	May 28, 2024
Instrument	2024071103
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

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	1603 CLOUDY CT, SAINT CLOUD, FL 34769-5369

Mortgage

Document Number	0066081683
Date	May 30, 2024
Instrument	6608/1683

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,556.00 (+1,524.56%)	$310,200 (+1,532.63%) Land $45,000 Building $265,200	$310,200 (+1,532.63%) Land $45,000 Building $265,200
2023	$342.00	$19,000 (-) Land $19,000	$19,000 (-) Land $19,000
2022	$342.00	$19,000 Land $19,000	$19,000 Land $19,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 30% of Florida
Wildfire Likelihood	About 1 in 529 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.