1728 Hawksbill Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1728 Hawksbill Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,376 sqft · built 2018
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Oct 2021)
Tax Bill	$4 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052631087600011450`

Property Details

APN / Parcel Number

Primary APN	`052631087600011450`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,376 sqft Heated Area
Gross Area	4,162 sqft
1st Floor Area	1,968 sqft
Upper Floors Area	1,408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	345 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1728 HAWKSBILL LN
City	SAINT CLOUD
State	FL
Zip	34771-7548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 2 PB 24 PG 42-44 LOT 145
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	TURTLE CREEK
Legal Phase	2
Legal Tract	876
Legal Lot Number	145
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2071
Census Tract	43600

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1728 HAWKSBILL LN, SAINT CLOUD, FL 34771-7548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 24, 2018	Special Warranty Deed, Transfer · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Jan 17, 2018	Loan Modification, Mortgage ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	2021162768
Deed Book / Page	6068 / 1569
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2021
Property Address	1728 HAWKSBILL LN, SAINT CLOUD, FL 34771-7548
Document Number	0060681569
Book / Page	6068 / 1569
Map Reference	MB 24 PG 42
Instrument Date	Oct 15, 2021
Instrument	2021162768
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	FIRST EXCEL TITLE LLC, FIRST CLASS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1728 HAWKSBILL LN, 1728, SAINT CLOUD, FL 34771-7548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10565 SWTOREN WAY, SAINT LUCIE WEST, FL 34987

Mortgage

Document Number	60681570
Date	Oct 19, 2021
Instrument	6068/1570

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1728 HAWKSBILL LN, SAINT CLOUD, FL 34771-7548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056892450
Date	Mar 11, 2020
Book Page	5689/2450
Instrument	2020035079

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2018
Property Address	1728 HAWKSBILL LN, SAINT CLOUD, FL 34771-7548
Document Number	0053211904
Book / Page	5321 / 1904
Map Reference	MB24 PG42
Instrument Date	Apr 20, 2018
Instrument	2018064098
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EASTERN NATL TITLE AGENCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 SOUTHHALL LN STE 120, 151, MAITLAND, FL 32751-7115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1728 HAWKSBILL LN, SAINT CLOUD, FL 34771-7548

Mortgage

Document Number	2018064099
Date	Apr 24, 2018
Instrument	2018064099

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1728 HAWKSBILL LN, SAINT CLOUD, FL 34771-7548
Document Number	0052771357
Book / Page	005277 / 001357
Instrument Date	Jan 17, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$438,000 (+4.95%) Land $75,000 Building $363,000	$438,000 (-5.46%) Land $75,000 Building $363,000
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$417,356 (+3%)	$463,300 (+14.34%) Land $65,000 Building $398,300
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$405,200 Land $60,000 Building $345,200	$405,200 Land $60,000 Building $345,200

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 minimal risk
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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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	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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