Osceola County property record for 1645 Flounder St, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Prefabricated > Mobile Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1981 |
| Square Footage | 846 sqft Living Area |
| Lot Size | 6,403 sqft (0.147 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $85,000 (2019) |
| Tax Bill | $1,163.00 (2024) |
| Primary APN | 02-26-31-4750-0001-3980 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 846 sqft Living Area |
| Gross Area | 1,056 sqft Gross Area |
| 1st Floor | 846 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Paneling Interior Structure |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Custom Design Style |
| Exterior Material | Aluminum Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,403 sqft (0.147 acres) |
| Depth X Width | 80 ft x 80 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 264 sqft Garage |
| Carport | Carport |
| Carport Area | 264 sqft Carport |
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Porch Area | 732 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1645 FLOUNDER ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9722 |
| Property Usage | Residential Property Usage |
| Type | Residential > Prefabricated > Mobile Home |
| Legal Description | PINE GROVE PARK RE NO 3 PB 01 PG 328 LOTS 398 & 399 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | PINE GROVE PARK BLKS 11 AND 12 REPLAT |
| Legal Tract | 4750 |
| Legal Block | 3980 |
| Legal Lot Number | 398 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 43801 |
Source: Osceola County records · APN 02-26-31-4750-0001-3980
Assessment roll updated November 26, 2025 · Last verified April 2026
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 | 1645 FLOUNDER ST, SAINT CLOUD, FL 34771-9722 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 28, 2019 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) CENTERSTATE BANK OF FLORIDA NA |
| Sep 24, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on Record |
| Deed Sale | May 28, 2019 · Amount on Record |
| Prior Sale | Sep 24, 2018 · Amount on Record |
| Deed Doc Number | 201968269 |
| Deed Book / Page | 5530 / 2424 |
| Prior Transfer Date | May 24, 2019 |
| Prior Transfer Doc | 0055302424 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 28, 2019 |
| Property Address | 1645 FLOUNDER ST, SAINT CLOUD, FL 34771-9722 |
| Document Number | 0055302424 |
| Book / Page | 5530 / 2424 |
| Map Reference | MB 1 PG 328 |
| Instrument Date | May 24, 2019 |
| Instrument | 2019068269 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $595.00 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|---|
| Address | 4275 STORY RD, 4275, SAINT CLOUD, FL 34772-9099 |
| Name | Verified Name |
|---|---|
| Address | 1645 FLOUNDER ST, SAINT CLOUD, FL 34771-9722 |
| Document Number | 0055302425 |
|---|---|
| Date | May 28, 2019 |
| Instrument | 5530/2425 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jun 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2018 |
| Property Address | 1645 FLOUNDER ST, SAINT CLOUD, FL 34771-9722 |
| Document Number | 0054052229 |
| Book / Page | 005405 / 002229 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 143417 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $521.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4275 STORY RD ST CLOUD FL 347729099, ST CLOUD, FL 34772-9099 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $1,284.00 (+10.4%) Homeowner's exemption | $79,239 (+5.99%) | $118,600 (-10.63%) Land $40,000 Building $78,600 |
| 2024 | $1,163.00 (+1.39%) | ||
| 2023 | $1,147.00 (+6.2%) Homeowner's exemption | $74,764 (+3%) | $132,700 (+75.07%) Land $40,000 Building $92,700 |
| 2022 | $1,080.00 Homeowner's exemption | $72,587 | $75,800 Land $18,400 Building $57,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| 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; lenders make the official flood determination.
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