1620 Town Park Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1620 Town Park Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 2019
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,605 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0170-0001-0150`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0170-0001-0150`
Alternative APNs	`112630524300010150` `263011017000010150` `162217`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	2,338 sqft
1st Floor Area	1,664 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1620 TOWN PARK CT
City	SAINT CLOUD
State	FL
Zip	34769-5039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	TOWN PARK SUBDIVISION PB 21 PG 10 LOT 15
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	TOWN PARK
Legal Tract	170
Legal Block	150
Legal Lot Number	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

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	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Jun 6, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Sep 17, 2021	Intrafamily Transfer, Transfer · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 1, 2019	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021
Deed Sale	Sep 17, 2021
Prior Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2021144076
Deed Book / Page	6044 / 2943
Prior Transfer Date	Sep 10, 2021
Prior Transfer Doc	0060442943
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039

Mortgage

Document Number	0068481239
Date	Sep 12, 2025
Book Page	6848/1239
Instrument	2025113474

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039

Mortgage

Document Number	0068481207
Date	Sep 12, 2025
Book Page	6848/1207
Instrument	2025113469

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039

Mortgage

Document Number	0062270392
Date	Jun 6, 2022
Book Page	6227/392
Instrument	2022087718

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2021
Property Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039
Document Number	0060442943
Book / Page	6044 / 2943
Map Reference	MB 21 PG 10&11
Instrument Date	Sep 10, 2021
Instrument	2021144076
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039

Mortgage

Document Number	60442946
Date	Sep 17, 2021
Instrument	6044/2946

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2019
Property Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039
Document Number	0055501511
Book / Page	5550 / 1511
Map Reference	MB 21 PG 10&11
Instrument Date	Jul 1, 2019
Instrument	2019085055
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,778.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6140 ALLIGATOR LAKE SHR W, 6140, SAINT CLOUD, FL 34771-7331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 TOWN PARK CT, SAINT CLOUD, FL 34769-5039

Mortgage

Document Number	0055501514
Date	Jul 1, 2019
Instrument	5550/1514

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$3,605.00 (+3.5%) Homeowner's exemption	$244,333 (+5.99%)	$291,000 (+4.08%) Land $55,000 Building $236,000
2024	$3,483.00 (+2.68%)
2023	$3,392.00 (+3.6%) Homeowner's exemption	$230,533 (+3%)	$279,600 (+13.98%) Land $48,000 Building $231,600
2022	$3,274.00 Homeowner's exemption	$223,819	$245,300 Land $48,000 Building $197,300

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

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