Osceola County property record for 1651 Underwood Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,350 sqft · built 1989 |
| Lot Size | 0.307 acres (13,416 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $83,500 (Jul 1997) |
| Tax Bill | $1,700 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 91225 |
| Primary APN | 91225 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,350 sqft Heated Area |
| Gross Area | 1,863 sqft |
| 1st Floor Area | 1,350 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,416 sqft (0.307 acres) |
| Lot Dimensions | 109 ft deep x 123 ft wide |
| Garage Type | Finished |
| Garage Area | 513 sqft |
| Parking Spaces | 2 Parking Spaces |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 91225 |
|---|---|
| Street Address | 1651 UNDERWOOD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7866 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Description | NEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 250 LOTS 6 & 7 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | NARCOOSSEE NEW MAP |
| Legal Tract | 4260 |
| Legal Block | 250 |
| Legal Lot Number | 6-7 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43700 |
Source: Osceola County records, as of December 11, 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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 1651 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7866 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 1997 · Amount on Record |
| Deed Sale | Jul 16, 1997 · Amount on Record |
| Deed Document Number | 0141602447 |
| Deed Book / Page | 01416 / 02447 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,700.00 (+10.53%) Homeowner's exemption | $112,145 (+5.99%) | $287,900 (+23.93%) Land $65,000 Building $222,900 |
| 2023 | $1,538.00 (+6%) Homeowner's exemption | $105,811 (+3%) | $232,300 (+13.43%) Land $60,000 Building $172,300 |
| 2022 | $1,451.00 Homeowner's exemption | $102,730 | $204,800 Land $60,000 Building $144,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Xfinity.
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