Osceola County property record for 2378 Nuthatch St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,306 sqft · built 2022 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,500 (Aug 2023) |
| Tax Bill | $5,961 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 082631397400012190 |
| Primary APN | 082631397400012190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,306 sqft Heated Area |
| Gross Area | 3,233 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2378 NUTHATCH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LIVE OAK LAKE PH 2 PB 29 PGS 35-37 LOT 219 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 08 |
| Legal Subdivision | LIVE OAK LAKE PHS 1 2 & 3 |
| Legal Phase | 2 |
| Legal Tract | 3974 |
| Legal Lot Number | 219 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 43301 |
Source: Osceola County records · APN 082631397400012190
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 03, 2023 | Warranty Deed, Transfer · FHA Mortgage CANOPY MORTGAGE LLC |
| May 17, 2022 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 03, 2023 · Amount on Record |
| Deed Sale | Aug 03, 2023 · Amount on Record |
| Prior Sale | May 17, 2022 · Amount on Record |
| Deed Document Number | 2023101038 |
| Deed Book / Page | 6451 / 2585 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Document Number | 0067730950 |
|---|---|
| Date | Apr 17, 2025 |
| Book Page | 6773/950 |
| Instrument | 2025048969 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ARMONA, CA 93202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 01, 2065 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 03, 2023 |
| Property Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Document Number | 0064512585 |
| Book / Page | 6451 / 2585 |
| Map Reference | MB 29 PG 35-37 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2023101038 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, SECURITY NATIONAL T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,468.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1319 SASSAFRAS AVE, ALTAMONTE SPRINGS, FL 32714-1237 |
| Name | Verified Name |
|---|---|
| Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Document Number | 0064512587 |
|---|---|
| Date | Aug 03, 2023 |
| Instrument | 6451/2587 |
| Name | CANOPY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2022 |
| Property Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Document Number | 0062150979 |
| Book / Page | 6215 / 979 |
| Map Reference | MB 29 PG 35-37 |
| Instrument Date | May 11, 2022 |
| Instrument | 2022077605 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,569.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2378 NUTHATCH ST, SAINT CLOUD, FL 34771-8422 |
| Document Number | 0006215981 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 6215/981 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,961.00 (-4.23%) Homeowner's exemption | $375,923 (-6.3%) | $408,700 (+1.87%) Land $78,800 Building $329,900 |
| 2023 | $6,224.00 (+353.64%) | $401,200 (+568.67%) Land $68,200 Building $333,000 | $401,200 (+568.67%) Land $68,200 Building $333,000 |
| 2022 | $1,372.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 173 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 173 in force |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Lumen Technologies, Verizon.
Based on FCC filings for 271 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3494429, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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