1640 Salmon St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1640 Salmon St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,089 sqft · built 2023
Lot Size	0.239 acres (10,454 sqft)
Owner	Company Name on Record
Tax Bill	$5,404 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`95288`

Property Details

APN / Parcel Number

Primary APN	`95288`
Alternative APN	`022631472000010200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,089 sqft Heated Area
Gross Area	3,528 sqft
1st Floor Area	914 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	90 ft deep x 118 ft wide
Garage Type	Finished
Porch	Open Porch
Porch Area	211 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95288
Street Address	1640 SALMON ST
City	SAINT CLOUD
State	FL
Zip	34771-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORMH
Legal Description	PINE GROVE PARK PB 1 PG 245 LOTS 20-22 LESS R/W
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	WATERFRONT PINE GROVE PARK
Legal Tract	4720
Legal Block	1
Legal Lot Number	20-22 21
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1020
Census Tract	43801

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	Company Name on Record
Mailing Address	1640 SALMON ST, SAINT CLOUD, FL 34771-9718
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTAR BANK SSB
Jan 26, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2024
Deed Sale	Nov 19, 2024
Prior Sale	Jan 26, 2021 · Amount on Record
Deed Document Number	2024147402
Deed Book / Page	6698 / 2680
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1640 SALMON ST, SAINT CLOUD, FL 34771-9718
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1658 FLOUNDER ST, SAINT CLOUD, FL 34771-9719

Mortgage

Document Number	0061022983
Date	Dec 8, 2021
Book Page	6102/2983
Instrument	2021189131

Lender

Name	SOUTHSTAR BANK SSB
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 26, 2021
Property Address	1640 SALMON ST, SAINT CLOUD, FL 34771-9718
Document Number	0058771723
Book / Page	5877 / 1723
Map Reference	MB 1 PG 245
Instrument Date	Jan 25, 2021
Instrument	2021011401
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1629 SALMON ST, SAINT CLOUD, FL 34771-9747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1660 PINE ISLAND RD, KISSIMMEE, FL 34744-6636

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,404.00 (+612.93%) Homeowner's exemption	$375,200 (+650.4%) Land $50,000 Building $325,200	$375,200 (+650.4%) Land $50,000 Building $325,200
2023	$758.00 (-0.26%)	$50,000 (-2.34%) Land $50,000	$50,000 (-2.34%) Land $50,000
2022	$760.00	$51,200 Land $50,000 Building $1,200	$51,200 Land $50,000 Building $1,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
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

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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

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