1650 Nora Tyson Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1650 Nora Tyson Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,715 sqft · built 2021
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Aug 2020)
Tax Bill	$6,577 (2025)
Deeds & Mortgages	Feb 2020 Sale & Construction Loan Feb 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`05-26-31-4950-0001-0190`

Property Details

APN / Parcel Number

Primary APN	`05-26-31-4950-0001-0190`
Alternative APNs	`263105495000010190` `96012`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,715 sqft Living Area
Gross Area	4,848 sqft
1st Floor Area	2,715 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Attached
Garage Area	605 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1650 NORA TYSON RD
City	SAINT CLOUD
State	FL
Zip	34771-9614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 22 N 1/2 OF LOT 19 LESS W 330 FT
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	190
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3059
Census Tract	43700

Owner

Source: Osceola County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1650 NORA TYSON RD, SAINT CLOUD, FL 34771-9614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2020	Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK
Feb 26, 2020	Deed of Trust, Construction Loan · Construction Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2020 · Amount on Record
Deed Sale	Aug 26, 2020 · Amount on Record
Prior Sale	Feb 24, 2020 · Amount on Record
Deed Document Number	2020112974
Deed Book / Page	5781 / 2148
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 24, 2020
Property Address	1650 NORA TYSON RD, SAINT CLOUD, FL 34771-9614
Document Number	0056790405
Book / Page	5679 / 405
Map Reference	MB B PG 22
Instrument Date	Feb 21, 2020
Instrument	2020026349
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6130 WATERFIELD WAY, 6130, SAINT CLOUD, FL 34771-8845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1650 NORA TYSBN ROAD, SAINT CLOUD, FL 34771-9614

Mortgage

Document Number	0056802118
Date	Feb 24, 2020
Instrument	5680/2118

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	10.3%

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2020
Property Address	1650 NORA TYSON RD, SAINT CLOUD, FL 34771-9614
Document Number	0056802118
Book / Page	005680 / 002118
Instrument Date	Feb 21, 2020
Instrument	27762
Transaction Type	Construction Loan
Record Updated	May 25, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	126 RACHEL LIN LN ST CLOUD FL 347718205, ST CLOUD, FL 34771-8205

Mortgage

Document Number	56802118
Date	Feb 26, 2020
Book Page	005680/002118
Instrument	27762

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,577.00 (+6.48%) Homeowner's exemption	$464,175 (+5.99%)	$557,700 (+13.98%) Land $70,000 Building $487,700
2023	$6,177.00 (+10.09%) Homeowner's exemption	$437,956 (+3%)	$489,300 (+15.08%) Land $65,000 Building $424,300
2022	$5,611.00 Homeowner's exemption	$425,200 Land $65,000 Building $360,200	$425,200 Land $65,000 Building $360,200

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 67% of the US · above 46% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

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