1728 Sunfish St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1728 Sunfish St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,253 sqft · built 2018
Lot Size	0.139 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$409,973 (Dec 2024)
Tax Bill	$6,782 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`062631087700011130`

Property Details

APN / Parcel Number

Primary APN	`062631087700011130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,253 sqft Heated Area
Gross Area	3,018 sqft
1st Floor Area	2,253 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
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	324 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1728 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 113
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	113
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2018
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	Company Name on Record
Mailing Address	1728 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Jul 13, 2020	Deed of Trust, Mortgage · VA Mortgage OCMBC INC
Aug 28, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC
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	Name on Deed
Last Sale	Dec 6, 2024 · Amount on Record
Deed Sale	Dec 6, 2024 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	2024153963
Deed Book / Page	6706 / 1864
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 21, 2022
Property Address	1728 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Document Number	0062371056
Book / Page	6237 / 1056
Map Reference	MB 25 PG 38-40
Instrument Date	Jun 15, 2022
Instrument	2022097136
Transaction Type	Transfer
Record Updated	Jul 7, 2022
Title Company	GOLD STAR TITLE AND ESCROW INC, GOLD STAR TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1728 SUNFISH ST, 1728, SAINT CLOUD, FL 34771-7570

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1728 SUNFISH ST, SAINT CLOUD, FL 34771-7570

Mortgage

Document Number	0062371058
Date	Jun 21, 2022
Instrument	6237/1058

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1728 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Document Number	0057570921
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1728 SUNFISH ST ST CLOUD FL 347717570, ST CLOUD, FL 34771-7570

Mortgage

Document Number	0057570921
Date	Jul 20, 2020
Book Page	005757/000921
Instrument	93942

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 28, 2018
Property Address	1728 SUNFISH ST, SAINT CLOUD, FL 34771-7570
Document Number	0053921800
Book / Page	5392 / 1800
Map Reference	MB25 PG38-40
Instrument Date	Aug 23, 2018
Instrument	2018130985
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,223.90
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	1728 SUNFISH ST, SAINT CLOUD, FL 34771-7570

Mortgage

Document Number	2018130986
Date	Aug 28, 2018
Instrument	2018130986

Lender

Name	JET HOMELOANS LLC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

November 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 28, 2017
Property Address	1728 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	1728 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	$6,782.00 (-1.62%)	$378,700 (-1.02%) Land $75,000 Building $303,700	$378,700 (-1.02%) Land $75,000 Building $303,700
2023	$6,894.00 (+68.93%)	$382,600 (+42.45%) Land $65,000 Building $317,600	$382,600 (+11.84%) Land $65,000 Building $317,600
2022	$4,081.00 Homeowner's exemption	$268,593	$342,100 Land $60,000 Building $282,100

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 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

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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