Osceola County property record for 2245 James Dr, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,464 sqft Living Area |
| Lot Size | 20,037 sqft (0.46 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $33,000 (1999) |
| Tax Bill | $3,409.00 (2024) |
| Primary APN | 10-26-31-3050-000F-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,464 sqft Living Area |
| Gross Area | 2,292 sqft Gross Area |
| 1st Floor | 1,464 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 20,037 sqft (0.46 acres) |
| Depth X Width | 100 ft x 200 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 546 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 64 sqft Shed |
| Porch Area | 282 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2245 JAMES DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8830 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EL RANCHO PARK ADDN PB 1 PG 357 BLK F S 50 FT OF LOT 7 & LOTS 8 & 9 AND INTEREST IN BEACH LOT 14 BLK G PB 1 PG 415 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | EL RANCHO PARK ADD BLK B |
| Legal Tract | 3050 |
| Legal Block | F |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 43301 |
Source: Osceola County records · APN 10-26-31-3050-000F-0090
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 2245 JAMES DR, SAINT CLOUD, FL 34771-8830 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Sep 29, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 15, 1999 · Amount on Record |
| Deed Sale | Dec 15, 1999 · Amount on Record |
| Prior Sale | Apr 20, 1999 · Amount on Record |
| Deed Book / Page | 1683 / 2582 |
| Last Transfer Date | Sep 22, 2025 |
| Transfer Doc | 0068550142 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 29, 2025 |
| Property Address | 2245 JAMES DR, SAINT CLOUD, FL 34771-8830 |
| Document Number | 0068550142 |
| Book / Page | 6855 / 142 |
| Map Reference | MB 1 PG 357 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 2025119415 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6148 STATE ROAD 70 E, BRADENTON, FL 34203-9712 |
| Name | Verified Name |
|---|---|
| Address | 2245 JAMES DR, SAINT CLOUD, FL 34771-8830 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2245 JAMES DR, SAINT CLOUD, FL 34771-8830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0061840083 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 6184/83 |
| Instrument | 2022051463 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2245 JAMES DR, SAINT CLOUD, FL 34771-8830 |
| Document Number | 0052631161 |
| Book / Page | 005263 / 001161 |
| Instrument Date | Dec 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2245 JAMES DR ST CLOUD FL 347718830, ST CLOUD, FL 34771-8830 |
| Document Number | 0052631161 |
|---|---|
| Date | Jan 03, 2018 |
| Book Page | 005263/001161 |
| Instrument | 1645 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 02, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $3,590.00 (+5.31%) | $248,571 (+2.9%) | $289,800 (+8.74%) Land $93,000 Building $196,800 |
| 2024 | $3,409.00 (+2.19%) Homeowner's exemption | $241,566 (+3%) | $266,500 (+4.1%) Land $69,800 Building $196,700 |
| 2023 | $3,336.00 (+4.35%) Homeowner's exemption | $234,531 (+3%) | $256,000 (+12.43%) Land $65,200 Building $190,800 |
| 2022 | $3,197.00 Homeowner's exemption | $227,700 Land $65,200 Building $162,500 | $227,700 Land $65,200 Building $162,500 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | Moderate above 54% of the US · above 25% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 658 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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