175 S Zuni Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 175 S Zuni Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,876 sqft · built 2020
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Aug 2022)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-25-31-4260-0001-0016`

Property Details

APN / Parcel Number

Primary APN	`21-25-31-4260-0001-0016`
Alternative APN	`253121426000010016`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,876 sqft Living Area
Gross Area	2,849 sqft
1st Floor Area	1,876 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	682 sqft
Porch	Finished/Open Porch
Porch Area	291 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	175 S ZUNI RD
City	SAINT CLOUD
State	FL
Zip	34771-9347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE PB 1 PGS 73 & 74 S 1/2 OF E 1/2 OF LOT 1 LESS N 165 FT AND E 200 FT AND LESS S EAGLE RD R/W
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3004
Census Tract	43700

Owner

175 S Zuni Rd is owned and occupied by two individuals who bought it in August 2022.

Source: Osceola County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	175 S ZUNI RD, SAINT CLOUD, FL 34771-9347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK
Oct 13, 2021	Correction Deed ACCOMODATION, ACCOMMODATION
Jun 21, 2021	Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Deed Document Number	2022118701
Deed Book / Page	6262 / 1505
Prior Transfer Date	Oct 6, 2021
Prior Transfer Doc	0060642627
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2022
Property Address	175 S ZUNI RD, SAINT CLOUD, FL 34771-9347
Document Number	0062621505
Book / Page	6262 / 1505
Map Reference	MB 1 PG 73&74
Instrument Date	Aug 1, 2022
Instrument	2022118701
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	740 JAMES ST, ROCHESTER, PA 15074-1210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 S ZUNI RD, SAINT CLOUD, FL 34771-9347

Mortgage

Document Number	0062621507
Date	Aug 3, 2022
Instrument	6262/1507

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

October 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 13, 2021
Property Address	175 S ZUNI RD, SAINT CLOUD, FL 34771-9347
Document Number	0060642627
Book / Page	6064 / 2627
Map Reference	MB 1 PG 73&74
Instrument Date	Oct 6, 2021
Instrument	2021159706
Record Updated	Jan 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5343 S EAGLE ROAD, CLERMONT, FL 34711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 GALAPAGOS AVE, NORTH LAS VEGAS, NV 89084-2672

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 21, 2021
Property Address	175 S ZUNI RD, SAINT CLOUD, FL 34771-9347
Document Number	0059850062
Book / Page	5985 / 62
Map Reference	MB 1 PG 73&74
Instrument Date	Jun 14, 2021
Instrument	2021096188
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5343 S EAGLE RD, SAINT CLOUD, FL 34771-8250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 GALAPAGOS AVE, NORTH LAS VEGAS, NV 89084-2672

Tax Assessment & Valuation

The 2025 property tax bill for 175 S Zuni Rd was $712 with exemptions applied.

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	$712.00 Homeowner's exemption Veteran's exemption	$389,400 Land $71,500 Building $317,900	$389,400 Land $71,500 Building $317,900
2023	$621.00 (-84.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$379,700 (+32.37%) Land $71,500 Building $308,200	$379,700 (+14.02%) Land $71,500 Building $308,200
2022	$4,017.00 Homeowner's exemption Widower's exemption	$286,855	$333,000 Land $71,500 Building $261,500

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.

Flood

FEMA maps place 175 S Zuni Rd in Zone X, an area of minimal flood risk.

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 File median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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

Wildfire risk around 175 S Zuni Rd is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.5% 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	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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

Nearby Properties on S Zuni Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures