1609 Hawksbill Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1609 Hawksbill Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,899 sqft · built 2018
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Mar 2022)
Tax Bill	$6,927 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2019 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`31-25-31-0840-0001-0620`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0620`
Alternative APNs	`253131084000010620` `143735`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,899 sqft Living Area
Gross Area	3,760 sqft
1st Floor Area	1,219 sqft
Upper Floors Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1609 HAWKSBILL LN
City	SAINT CLOUD
State	FL
Zip	34771-7545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 62
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	620
Legal Lot Number	62
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2064
Census Tract	43600

Owner

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

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 Record
Mailing Address	1609 HAWKSBILL LN, SAINT CLOUD, FL 34771-7545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Oct 16, 2019	Loan Modification, Mortgage FIFTH THIRD BK
Mar 28, 2018	Corporation Deed, Subdivision Related Transfer · FHA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2022 · Amount on Record
Deed Sale	Mar 28, 2022 · Amount on Record
Prior Sale	Mar 28, 2018 · Amount on Record
Deed Document Number	202248333
Deed Book / Page	6180 / 1184
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	0040180557
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2022
Property Address	1609 HAWKSBILL LN, SAINT CLOUD, FL 34771-7545
Document Number	0061801184
Book / Page	6180 / 1184
Map Reference	MB 19 PG 22-25
Instrument Date	Mar 25, 2022
Instrument	2022048333
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1609 HAWKSBILL LN, 1609, SAINT CLOUD, FL 34771-7545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 HAWKSBILL LN, SAINT CLOUD, FL 34771-7545

Mortgage

Document Number	0061801186
Date	Mar 28, 2022
Instrument	6180/1186

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1609 HAWKSBILL LN, SAINT CLOUD, FL 34771-7545
Document Number	0056191697
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 HAWKSBILL LN ST CLOUD FL 347717545, ST CLOUD, FL 34771-7545

Mortgage

Document Number	0056191697
Date	Nov 6, 2019
Book Page	005619/001697
Instrument	144608

Lender

Name	FIFTH THIRD BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

March 2018: Corporation Deed, Subdivision Related Transfer

Document Type	Corporation Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2018
Property Address	1609 HAWKSBILL LN, SAINT CLOUD, FL 34771-7545
Document Number	0053080180
Book / Page	5308 / 0180
Map Reference	MB19 PG22-25
Instrument Date	Mar 23, 2018
Instrument	2018049389
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,149.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 HAWKSBILL LN, SAINT CLOUD, FL 34771-7545

Mortgage

Document Number	2018049390
Date	Mar 28, 2018
Instrument	2018049390

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,927.00 (-0.83%) Homeowner's exemption	$429,900 (+2.1%) Land $75,000 Building $354,900	$429,900 (-2.47%) Land $75,000 Building $354,900
2024	$6,985.00 (+2.36%)
2023	$6,824.00 (+170,5%) Homeowner's exemption	$421,055 (+49.67%)	$440,800 (+14.4%) Land $65,000 Building $375,800
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$281,318	$385,300 Land $60,000 Building $325,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon, Xfinity.

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