1704 Sunfish St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1704 Sunfish St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,028 sqft · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,340 (Nov 2019)
Tax Bill	$4,146 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`062631087700010890`

Property Details

APN / Parcel Number

Primary APN	`062631087700010890`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,028 sqft Heated Area
Gross Area	2,767 sqft
1st Floor Area	2,028 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1704 SUNFISH ST
City	SAINT CLOUD
State	FL
Zip	34771-7570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 89
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase	3
Legal Tract	877
Legal Lot Number	89
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 2025

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	1704 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 20, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage FIRST FIN
Nov 28, 2017	Quit Claim Deed, Mortgage · Line of Credit HOUSING CAP
Sep 18, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Sep 18, 2017 · Amount on Record
Deed Document Number	2019151223
Deed Book / Page	5626 / 2772
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1704 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 SUNFISH ST, SAINT CLOUD, FL 34771-7570

Mortgage

Document Number	0058511806
Date	Dec 15, 2020
Book Page	5851/1806
Instrument	2020170079

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Dec 1, 2049

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2019
Property Address	1704 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Document Number	0056262772
Book / Page	005626 / 002772
Instrument Date	Nov 5, 2019
Instrument	151223
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 6, 2019
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,934.38
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1704 SUNFISH ST ST CLOUD FL 347717570, ST CLOUD, FL 34771-7570

Mortgage

Document Number	56262774
Date	Nov 20, 2019
Book Page	005626/002774
Instrument	151224

Lender

Name	FIRST FIN
Type	Funding / Finance Company
Address	MILLERSVILLE, MD 21108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

November 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 28, 2017
Property Address	1704 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Document Number	0052441942
Book / Page	005244 / 001942
Instrument Date	Oct 31, 2017
Instrument	168329
Transaction Type	Mortgage
Record Updated	Jan 19, 2018
Title Company	DREAM FINDERS TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290
Investor	Possibly a Property Investor

Mortgage

Document Number	52442355
Date	Nov 28, 2017
Book Page	005244/002355
Instrument	168448

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	13737 NOEL RD # 800, DALLAS, TX 75240-1331

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2017
Property Address	1704 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Document Number	0052091017
Book / Page	005209 / 001017
Instrument Date	Sep 18, 2017
Instrument	132087
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,706.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,146.00 (+6.14%) Homeowner's exemption	$274,548 (+5.99%)	$355,400 (-0.89%) Land $75,000 Building $280,400
2023	$3,906.00 (+3.53%) Homeowner's exemption	$259,040 (+3%)	$358,600 (+12.03%) Land $65,000 Building $293,600
2022	$3,773.00 Homeowner's exemption	$251,496	$320,100 Land $60,000 Building $260,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 489 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 / 1,000

May also be available: Verizon, Xfinity.

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