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1646 Cod St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1646 Cod St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1999
Square Footage651 sqft Heated Area
Lot Size4,792 sqft (0.11 acres)
OccupancyOwner Occupied
Last Sale$240,000 (2022)
Tax Bill$2,379.00 (2025)

Property Details

APN / Parcel Number

Primary APN95528
Alternative APN
  • 022631475000014430

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area651 sqft Heated Area
Gross Area1,356 sqft Gross Area
1st Floor651 sqft 1st Floor
Stories1 Stories
Interior StructurePaneling Interior Structure

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1999
Exterior MaterialAluminum Siding Exterior
Foundation TypePier/Post & Beam Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area4,792 sqft (0.11 acres)
Depth X Width80 ft x 60 ft Depth x Width

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area188 sqft Shed
PorchEnclosed Porch
Porch Area341 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number95528
Street Address1646 COD ST
CitySAINT CLOUD
StateFL
Zip34771-9767
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPINE GROVE PARK RE NO 3 PB 01 PG 328 S 1/2 LOT 443 & ALL 444
Legal Range31E
Legal Township26S
Legal Section02
Legal SubdivisionPINE GROVE PK REPL 3
Legal Tract4750
Legal Block1
Legal Lot Number443
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1021
Census Tract43801

Owner

Source: Osceola County records · APN 95528

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 RecordIndividual Name on File
Mailing Address1646 COD ST, SAINT CLOUD, FL 34771-9767
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 17, 2022Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Apr 17, 2020Grant Deed, Transfer
FLORIDA TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 17, 2022 · Amount on Record
Deed SaleMay 17, 2022 · Amount on Record
Prior SaleApr 17, 2020 · Amount on Record
Deed Doc Number2022077601
Deed Book / Page6215 / 962
Record RefreshedJun 08, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2022
Property Address1646 COD ST, SAINT CLOUD, FL 34771-9767
Document Number0062150962
Book / Page6215 / 962
Map ReferenceMB 1 PG 328
Instrument DateMay 02, 2022
Instrument2022077601
Transaction TypeTransfer
Record UpdatedJun 02, 2022
Title CompanyFIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,680.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address18205 MANOR CHURCH RD, 18205, BOONSBORO, MD 21713-2415

Transferred To (Grantee/Buyer)

NameVerified Name
Address1646 COD ST, SAINT CLOUD, FL 34771-9767

Mortgage

Document Number0006215964
DateMay 17, 2022
Instrument6215/964
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateApr 17, 2020
Property Address1646 COD ST, SAINT CLOUD, FL 34771-9767
Document Number0057092397
Book / Page005709 / 002397
Instrument DateApr 10, 2020
Instrument53077
Transaction TypeTransfer
Record UpdatedJun 23, 2020
Title CompanyFLORIDA TITLE

Transaction

AmountAmount Recorded
Tax$910.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address18205 MANOR CHURCH RD BOONSBORO MD 217132415, BOONSBORO, MD 21713-2415

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,379.00 (+0.68%) Homeowner's exemption$159,000 (-2.27%) Land $18,000 Building $141,000$159,000 (-2.27%) Land $18,000 Building $141,000
2023$2,363.00 (+56.18%) Homeowner's exemption$162,700 (+54.06%) Land $18,000 Building $144,700$162,700 (+35.81%) Land $18,000 Building $144,700
2022$1,513.00 Homeowner's exemption$105,607$119,800 Land $13,800 Building $106,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation66.0 ft

Wildfire

Wildfire RiskModerate
above 64% of the US · above 39% of Florida
Wildfire LikelihoodAbout 1 in 368 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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