1725 Sunfish St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1725 Sunfish St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,231 sqft · built 2018
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Feb 2024)
Tax Bill	$4 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2021 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0877-0001-1200`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0877-0001-1200`
Alternative APN	`263106087700011200`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,231 sqft Living Area
Gross Area	3,046 sqft
1st Floor Area	2,231 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	395 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1725 SUNFISH ST
City	SAINT CLOUD
State	FL
Zip	34771-7571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 120
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PH 3 & 4
Legal Phase	3
Legal Tract	877
Legal Block	1200
Legal Lot Number	120
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2070
Census Tract	43600

Owner

Source: Osceola County records · APN 06-26-31-0877-0001-1200

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 14, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 09, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Oct 18, 2019	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Aug 14, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC
Nov 28, 2017	Grant Deed, Mortgage · Line of Credit HOUSING CAP
Apr 27, 2017	Loan Modification, Mortgage TEXAS CAP BK
Apr 27, 2017	Warranty Deed, Transfer DREAM FINDERS TITLE LLC
Apr 10, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 14, 2024 · Amount on Record
Deed Sale	Feb 14, 2024 · Amount on Record
Prior Sale	Nov 09, 2021 · Amount on Record
Deed Document Number	202419182
Deed Book / Page	6549 / 733
Last Transfer Date	Feb 15, 2024
Transfer Doc	0065500603
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 27, 2026
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0000069565
Book / Page	6977 / 2851
Instrument Date	May 20, 2026
Instrument	202669565
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

Mortgage

Document Number	0000069565,
Date	May 27, 2026
Book Page	6977/2851
Instrument	202669565

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 SUNFISH ST, MAGNOLIA SQ, FL 34771-7571

Mortgage

Document Number	0059801772
Date	Jun 14, 2021
Book Page	5980/1772
Instrument	2021092397

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 15, 2024
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0065500603
Book / Page	6550 / 603
Map Reference	MB 25 PG 38-40
Instrument Date	Feb 15, 2024
Instrument	2024020110
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2024
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0065490733
Book / Page	6549 / 733
Map Reference	MB 25 PG 38-40
Instrument Date	Feb 09, 2024
Instrument	2024019182
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1150 VINSETTA CIR, WINTER GARDEN, FL 34787-9625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

Mortgage

Document Number	0065490735
Date	Feb 14, 2024
Book Page	6549/735
Instrument	2024019183

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 09, 2021
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0060822449
Book / Page	6082 / 2449
Map Reference	MB 25 PG 38-40
Instrument Date	Nov 05, 2021
Instrument	2021174060
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

Mortgage

Document Number	0060822451
Date	Nov 09, 2021
Instrument	6082/2451

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0056111774
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 08, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1725 SUNFISH ST ST CLOUD FL 347717571, ST CLOUD, FL 34771-7571

Mortgage

Document Number	0056111774
Date	Oct 24, 2019
Book Page	005611/001774
Instrument	137913

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2018
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0053840636
Book / Page	5384 / 0636
Map Reference	MB25 PG38-40
Instrument Date	Aug 10, 2018
Instrument	2018123588
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571

Mortgage

Document Number	2018123589
Date	Aug 14, 2018
Instrument	2018123589

Lender

Name	JET HOMELOANS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2048

November 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 28, 2017
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0052442355
Book / Page	005244 / 002355
Instrument Date	Nov 20, 2017
Instrument	168448
Transaction Type	Mortgage
Record Updated	Jan 03, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY #100 ORANGE PARK FL 320736290, 100, ORANGE PARK, FL 32073-6290

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

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2017
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0051382521
Book / Page	005138 / 002521
Instrument Date	Apr 21, 2017
Instrument	62545
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	51382521
Date	Apr 27, 2017
Book Page	005138/002521
Instrument	62545

Lender

Name	TEXAS CAP BK
Type	Bank
Address	2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340

Agreement

Amount	Amount Recorded

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2017
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0051381697
Book / Page	005138 / 001697
Instrument Date	Apr 20, 2017
Instrument	62313
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	DREAM FINDERS TITLE LLC

Transaction

Tax	$0.00
Additional	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

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 10, 2017
Property Address	1725 SUNFISH ST, SAINT CLOUD, FL 34771-7571
Document Number	0051292772
Book / Page	005129 / 002772
Instrument Date	Apr 07, 2017
Instrument	53511
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,804.00
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

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 (-99.93%)	$244,623 (-30.11%)	$376,400 (-1.03%) Land $75,000 Building $301,400
2024	$5,679.00 (+2.44%)
2023	$5,544.00 (+3.36%) Homeowner's exemption	$349,994 (+3%)	$380,300 (+11.92%) Land $65,000 Building $315,300
2022	$5,364.00 Homeowner's exemption	$339,800 Land $60,000 Building $279,800	$339,800 Land $60,000 Building $279,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

Based on FCC filings for 489 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.