1651 Grouper St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1651 Grouper St, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,012 sqft · built 1997
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Jul 2025)
Tax Bill	$3,643 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`95440`

Property Details

APN / Parcel Number

Primary APN	`95440`
Alternative APN	`022631473000015350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,012 sqft Heated Area
1st Floor Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	80 ft deep x 80 ft wide
Porch	Porch
Porch Area	330 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95440
Street Address	1651 GROUPER ST
City	SAINT CLOUD
State	FL
Zip	34771-9768
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	ORMH
Legal Description	PINE GROVE PARK RE NO 1 PB 01 PG 267 N 80 FT OF S 240 FT OF W 80 FT OF LOT 7 OR LOTS 535 & 536 AND PINE GROVE PARK RE NO 3 PB
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	PINE GROVE PK REPL 1
Legal Tract	4730
Legal Block	1
Legal Lot Number	7 536
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1020
Census Tract	43801

Owner

1651 Grouper St, a mobile home, is owned by an individual who bought it in July 2025.

Source: Osceola County records, as of December 16, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1649 GROUPER ST, SAINT CLOUD, FL 34771-9768
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2025	Warranty Deed, Transfer · Seller Carry-Back MARLON CURTIS
Dec 28, 2018	Warranty Deed, Transfer H3 PROPERTY VENTURES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2025 · Amount on File
Deed Sale	Jul 24, 2025 · Amount on File
Prior Sale	Dec 28, 2018 · Amount on File
Deed Document Number	2025092538
Deed Book / Page	6824 / 1331
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2025
Property Address	1651 GROUPER ST, SAINT CLOUD, FL 34771-9768
Document Number	0068241331
Book / Page	6824 / 1331
Map Reference	MB 1 PG 328
Instrument Date	Jul 21, 2025
Instrument	2025092538
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	UNKNOWN, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2041 WESTBOROUGH LN, KISSIMMEE, FL 34746-7703

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1649 GROUPER ST, SAINT CLOUD, FL 34771-9768

Mortgage

Document Number	0068241337
Date	Jul 24, 2025
Instrument	6824/1337

Lender

Name	MARLON CURTIS
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2018
Property Address	1651 GROUPER ST, SAINT CLOUD, FL 34771-9768
Document Number	0054552680
Book / Page	005455 / 002680
Instrument Date	Dec 21, 2018
Instrument	188755
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1750 COVEY CT KISSIMMEE FL 347444082, KISSIMMEE, FL 34744-4082

Mortgage

Document Number	54552682
Date	Dec 28, 2018
Book Page	005455/002682
Instrument	188756

Lender

Name	H3 PROPERTY VENTURES LLC

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 27, 2038

Interest

Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 1651 Grouper St was $3,643.

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	$3,643.00	$169,800 Land $46,400 Building $123,400	$169,800 Land $46,400 Building $123,400
2023	$3,404.00 (+58.69%)	$193,800 (+81.29%) Land $46,400 Building $147,400	$193,800 (+81.29%) Land $46,400 Building $147,400
2022	$2,145.00	$106,900 Land $21,700 Building $85,200	$106,900 Land $21,700 Building $85,200

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

Flood

FEMA maps place 1651 Grouper St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 1651 Grouper St is moderate, ranking above 63% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 60% 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	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 166 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 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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