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1611 Cloudy Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1611 Cloudy Ct, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeTownhouse
Details4 bd · 3 ba · 2,020 sqft · built 2024
Lot Size0.08 acres (3,485 sqft)
OwnerIndividual Name on File
Last Sale$358,990 (May 2024)
Tax Bill$5,556 (2025)
Deeds & MortgagesJul 2026 Mortgage
May 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN112630065300013140

Property Details

APN / Parcel Number

Primary APN112630065300013140

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,020 sqft Heated Area
Gross Area2,557 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,485 sqft (0.08 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area108 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address1611 CLOUDY CT
CitySAINT CLOUD
StateFL
Zip34769-5369
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionSKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 314
Legal Phase2
Legal Lot Number314
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2019
Census Tract43303

Owner

Source: Osceola County records · APN 112630065300013140

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address1611 CLOUDY CT, SAINT CLOUD, FL 34769-5369
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 22, 2026Deed of Trust, Mortgage · FHA Mortgage
MORTGAGE CONNECT
May 30, 2024Special Warranty Deed, Transfer · FHA Mortgage
NFM INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 30, 2024 · Amount on Record
Deed SaleMay 30, 2024 · Amount on Record
Deed Document Number2024071069
Deed Book / Page6608 / 1572
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 22, 2026
Property Address1611 CLOUDY CT, SAINT CLOUD, FL 34769-5369
Document Number0000095368
Book / Page7007 / 1162
Instrument DateMay 18, 2026
Instrument202695368
Transaction TypeMortgage
Record UpdatedAug 04, 2026
Title CompanyMORTGAGE CONNECT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address1611 CLOUDY CT, SAINT CLOUD, FL 34769-5369

Mortgage

Document Number0000095368,
DateJul 22, 2026
Book Page7007/1162
Instrument202695368
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term275 Months
DueJun 01, 2049
Interest
Rate6.3%
Max Rate-1%

May 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 30, 2024
Property Address1611 CLOUDY CT, SAINT CLOUD, FL 34769-5369
Document Number0066081572
Book / Page6608 / 1572
Map ReferenceMB 32 PG 98-104
Instrument DateMay 24, 2024
Instrument2024071069
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,513.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

NameVerified Name
Address1611 CLOUDY CT, SAINT CLOUD, FL 34769-5369

Mortgage

Document Number2024071070
DateMay 30, 2024
Instrument2024071070
Lender
NameNFM INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueJun 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed 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 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 38 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 in force

Wildfire

Wildfire RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 529 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 114 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T, Spectrum, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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