Osceola County property record for 1640 Gar St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 804 sqft · built 1948 |
| Lot Size | 0.069 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,189 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 95334 |
| Primary APN | 95334 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 804 sqft Heated Area |
| Gross Area | 876 sqft |
| 1st Floor Area | 804 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Year Built | Built 1948 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.069 acres) |
| Lot Dimensions | 80 ft deep x 40 ft wide |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|
| Account Number | 95334 |
|---|---|
| Street Address | 1640 GAR ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE GROVE PARK PB 01 PG 245 LOTS 108 & 110 419/224 DC |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | PINE GROVE PK |
| Legal Tract | 4720 |
| Legal Block | 1 |
| Legal Lot Number | 108 110 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43801 |
Source: Osceola County records · APN 95334
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 |
|---|---|
| Mailing Address | 1629 GAR ST, SAINT CLOUD, FL 34771-9712 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 08, 2018 |
| Deed Sale | Jul 08, 2018 |
| Record Updated | Jun 08, 2026 |
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 | $2,189.00 (+9.72%) | $131,700 (-0.68%) Land $40,000 Building $91,700 | $131,700 (-0.68%) Land $40,000 Building $91,700 |
| 2023 | $1,995.00 (+20.4%) | $132,600 (+45.55%) Land $40,000 Building $92,600 | $132,600 (+45.55%) Land $40,000 Building $92,600 |
| 2022 | $1,657.00 | $91,100 Land $22,500 Building $68,600 | $91,100 Land $22,500 Building $68,600 |
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 |
| Nearby Flood Claims | 6 (2002–2023) |
| Most Recent Claim | Nov 2023, rainfall accumulation |
| Wildfire Risk | Moderate above 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,205 per year |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 137 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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