1655 Grouper St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1655 Grouper St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	1 ba · 624 sqft · built 1957
Lot Size	0.283 acres (12,327 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Jan 2021)
Tax Bill	$1,952 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-26-31-4730-0001-5330`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4730-0001-5330`
Alternative APNs	`263102473000015330` `95439`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	624 sqft Living Area
Gross Area	960 sqft
1st Floor Area	624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,327 sqft (0.283 acres)
Lot Dimensions	160 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	419 sqft
Deck Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1655 GROUPER ST
City	SAINT CLOUD
State	FL
Zip	34771-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORMH
Legal Description	PINE GROVE PARK REPLAT 1 PB 1 PB 267 N 75 FT OF S 160 FT OF W 80 FT LOT 7 OR LOTS 533 & 534 LESS S 5 FT LOT 533 AND PINE GROVE PARK REPLAT 3 PB 1 PG 328 LOTS 587 & 588 LESS S 5 FT OF LOT 588
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	PINE GROVE PARK
Legal Tract	4730
Legal Block	5330
Legal Lot Number	533
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1020
Census Tract	43801

Owner

Source: Osceola County records, as of October 6, 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	1655 GROUPER ST, SAINT CLOUD, FL 34771-9768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jan 25, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2021 · Amount on Record
Deed Sale	Jan 25, 2021 · Amount on Record
Prior Sale	Jun 21, 2004 · Amount on Record
Deed Document Number	202110705
Deed Book / Page	5876 / 1632
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2026
Property Address	1655 GROUPER ST, SAINT CLOUD, FL 34771-9768
Document Number	0000121255
Book / Page	7036 / 1880
Instrument Date	Sep 10, 2026
Instrument	2026121255
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 GROUPER ST, SAINT CLOUD, FL 34771-9768
Investor	Possibly a Property Investor

Mortgage

Document Number	0000121255,
Date	Sep 17, 2026
Book Page	7036/1880
Instrument	2026121255

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 25, 2021
Property Address	1655 GROUPER ST, SAINT CLOUD, FL 34771-9768
Document Number	0058761632
Book / Page	5876 / 1632
Map Reference	MB 1 PG 267
Instrument Date	Jan 21, 2021
Instrument	2021010705
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4300 BURNT MILL RD, 4300, CHANDLERSVILLE, OH 43727-9781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 HILLDALE RD, ROSEDALE, MD 21237-2917
Investor	Possibly a Property Investor

Mortgage

Document Number	0058761633
Date	Jan 25, 2021
Instrument	5876/1633

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$1,952.00 (+11.04%) Homeowner's exemption	$122,318 (+1.22%)	$150,100 (-1.57%) Land $46,400 Building $103,700
2023	$1,758.00 (+19.84%) Homeowner's exemption	$120,849 (+39.55%)	$152,500 (+76.1%) Land $46,400 Building $106,100
2022	$1,467.00 Homeowner's exemption	$86,600 Land $21,800 Building $64,800	$86,600 Land $21,800 Building $64,800

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 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 Record 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

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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