Osceola County property record for 1995 Raymond Dr, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1997 |
| Square Footage | 1,905 sqft Living Area |
| Lot Size | 11,543 sqft (0.265 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $224,000 (2018) |
| Tax Bill | $2,991.00 (2024) |
| Primary APN | 14-26-30-0855-0001-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,905 sqft Living Area |
| Gross Area | 2,786 sqft Gross Area |
| 1st Floor | 1,905 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,543 sqft (0.265 acres) |
| Depth X Width | 134 ft x 85 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 483 sqft Garage |
| Porch Area | 398 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1995 RAYMOND DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5545 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LORRAINE ESTATES UNIT 3 PB 5 PG 53 LOT 21 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LORRAINE ESTATES UNIT 3 |
| Legal Tract | 855 |
| Legal Block | 210 |
| Legal Lot Number | 21 |
| Legal Unit | 3P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2028 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0855-0001-0210
Assessment roll updated November 26, 2025 · Last verified April 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 | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROCKET MORTGAGE LLC |
| Oct 23, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANPAL LLC |
| Sep 13, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage BROKER SOLUTIONS INC |
| Nov 13, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 13, 2018 · Amount on Record |
| Deed Sale | Nov 13, 2018 · Amount on Record |
| Prior Sale | Dec 21, 2016 · Amount on Record |
| Deed Doc Number | 2018167360 |
| Deed Book / Page | 5432 / 726 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Document Number | 0063020853 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 6302/853 |
| Instrument | 2022154793 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Document Number | 0058182968 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 5818/2968 |
| Instrument | 2020144173 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0055890754 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 5589/0754 |
| Instrument | 2019118458 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2018 |
| Property Address | 1995 RAYMOND DR, SAINT CLOUD, FL 34769-5545 |
| Document Number | 0054320726 |
| Book / Page | 5432 / 0726 |
| Map Reference | MB5 PG53 |
| Instrument Date | Nov 09, 2018 |
| Instrument | 2018167360 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,568.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1347 WOOD LAKE CIR, 1347, SAINT CLOUD, FL 34772-7467 |
| Name | Verified Name |
|---|---|
| Address | 1994 RAYMOND DR, SAINT CLOUD, FL 34769-5500 |
| Document Number | 2018167361 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 2018167361 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,098.00 (+3.58%) Homeowner's exemption | $216,011 (+5.99%) | $333,600 (+6.85%) Land $70,000 Building $263,600 |
| 2024 | $2,991.00 (+2.75%) | ||
| 2023 | $2,911.00 (+3.74%) Homeowner's exemption | $203,810 (+3%) | $312,200 (+27.69%) Land $55,000 Building $257,200 |
| 2022 | $2,806.00 Homeowner's exemption | $197,874 | $244,500 Land $50,000 Building $194,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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