Osceola County property record for 1630 Grouper St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 560 sqft · built 1952 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (May 2022) |
| Tax Bill | $2,875 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 95425 |
| Primary APN | 95425 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 560 sqft Heated Area |
| Gross Area | 650 sqft |
| 1st Floor Area | 560 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 80 ft deep x 80 ft wide |
| Patio Area | 276 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 95425 |
|---|---|
| Street Address | 1630 GROUPER ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE GROVE REP NO 1 PB 01 PG 267 BEG 160 FT S & 80 FT E OF NW COR BLK 8, RUN E 80 FT, S 80 FT, W 80 FT, N 80 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | PINE GROVE PK REPL 1 |
| Legal Tract | 4730 |
| Legal Block | 8 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 43801 |
Source: Osceola County records · APN 95425
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Oct 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| May 20, 2022 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Mar 13, 2018 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 20, 2022 · Amount on Record |
| Deed Sale | May 20, 2022 · Amount on Record |
| Prior Sale | Mar 29, 2021 · Amount on Record |
| Deed Document Number | 2022079876 |
| Deed Book / Page | 6218 / 50 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0068661734 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 6866/1734 |
| Instrument | 2025129038 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0064962563 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | 6496/2563 |
| Instrument | 2023142211 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 20, 2022 |
| Property Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0062180050 |
| Book / Page | 6218 / 50 |
| Map Reference | MB 1 PG 267 |
| Instrument Date | May 16, 2022 |
| Instrument | 2022079876 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 91 ELM ST, 91, MANCHESTER, CT 06040-8625 |
| Name | Verified Name |
|---|---|
| Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0000621854 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 6218/54 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Number | 0062180073 |
|---|---|
| Date | May 20, 2022 |
| Book Page | 6218/73 |
| Instrument | 2022079879 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 29, 2021 |
| Property Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0059221963 |
| Book / Page | 5922 / 1963 |
| Instrument Date | Mar 19, 2021 |
| Instrument | 2021046536 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5241 CARSON ST, 5241, SAINT CLOUD, FL 34771-7621 |
| Name | Verified Name |
|---|---|
| Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0059221965 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 5922/1965 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2018 |
| Property Address | 1630 GROUPER ST, SAINT CLOUD, FL 34771-9734 |
| Document Number | 0053002015 |
| Book / Page | 005300 / 002015 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 41730 |
| Transaction Type | Transfer |
| Record Updated | Apr 06, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $595.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8655 LAUREATE BLVD ORLANDO FL 328277495, ORLANDO, FL 32827-7495 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,875.00 (+0.35%) Homeowner's exemption | $195,500 (-1.96%) Land $40,000 Building $155,500 | $195,500 (-1.96%) Land $40,000 Building $155,500 |
| 2023 | $2,865.00 (+31%) Homeowner's exemption | $199,400 (+74.61%) Land $40,000 Building $159,400 | $199,400 (+74.61%) Land $40,000 Building $159,400 |
| 2022 | $2,187.00 | $114,200 Land $17,200 Building $97,000 | $114,200 Land $17,200 Building $97,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 192 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 192 in force 182 of 192 on primary residences |
| Nearby Flood Claims | 6 (2002–2023) |
| Most Recent Claim | Nov 2023, rainfall accumulation |
| Wildfire Risk | Moderate above 64% of the US · above 39% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 368 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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