Osceola County property record for 2190 Big Buck Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,389 sqft · built 2007 |
| Lot Size | 0.176 acres (7,667 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $254,200 (Jun 2007) |
| Tax Bill | $1,923 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135996 |
| Primary APN | 135996 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,389 sqft Heated Area |
| Gross Area | 2,909 sqft |
| 1st Floor Area | 2,389 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,667 sqft (0.176 acres) |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 58 sqft |
| Patio Area | 140 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 135996 |
|---|---|
| Street Address | 2190 BIG BUCK DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | DOE RUN AT DEER CREEK PB 17 PGS 165-171 LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | DOE RUN AT DEER CREEK |
| Legal Tract | 563 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 8, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 28, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2007 · Amount on Record |
| Deed Sale | Jun 12, 2007 · Amount on Record |
| Deed Document Number | 2007109308 |
| Deed Book / Page | 3498 / 1221 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Document Number | 0068910655 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 6891/655 |
| Instrument | 2025150588 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 6.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Document Number | 0064792724 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 6479/2724 |
| Instrument | 2023126538 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Document Number | 0058472184 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 5847/2184 |
| Instrument | 2020166909 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2190 BIG BUCK DR, SAINT CLOUD, FL 34772-8222 |
| Document Number | 0056530862 |
| Instrument Date | Dec 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2190 BIG BUCK DR ST CLOUD FL 347728222, ST CLOUD, FL 34772-8222 |
| Document Number | 0056530862 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 005653/000862 |
| Instrument | 2186 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 6, 2050 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,923.00 (+7.13%) Homeowner's exemption | $150,325 (+5.99%) | $360,900 (+2.62%) Land $70,000 Building $290,900 |
| 2023 | $1,795.00 (+4.24%) Homeowner's exemption | $141,834 (+3%) | $351,700 (+31.67%) Land $60,000 Building $291,700 |
| 2022 | $1,722.00 Homeowner's exemption | $137,703 | $267,100 Land $55,000 Building $212,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 66 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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