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2435 Mockingbird Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2435 Mockingbird Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,770 sqft · built 1976
Lot Size0.51 acres (22,215 sqft)
Owner2 Individual Names on Record
Last Sale$194,900 (Dec 2015)
Tax Bill$2,845 (2025)
Deeds & MortgagesMay 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN13-26-31-2595-0001-0090

Property Details

APN / Parcel Number

Primary APN13-26-31-2595-0001-0090
Alternative APNs
  • 263113259500010090
  • 97409

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,770 sqft Living Area
Gross Area2,546 sqft
1st Floor Area1,770 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1996
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,215 sqft (0.51 acres)
Lot Dimensions185 ft deep x 120 ft wide
Garage TypeAttached
Garage Area462 sqft

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchFlorida Room
Porch Area732 sqft
Deck Area375 sqft
Utility Building180 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2435 MOCKINGBIRD AVE
CitySAINT CLOUD
StateFL
Zip34771-9513
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS1
Legal DescriptionBAY LAKES EST PB 2 PG 86 & 87 LOT 9
Legal Range31E
Legal Township26S
Legal Section13
Legal SubdivisionBAY LAKE ESTATES
Legal Tract2595
Legal Block90
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1044
Census Tract43801

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2435 MOCKINGBIRD AVE, SAINT CLOUD, FL 34771-9513
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 28, 2015 · Amount on Record
Deed SaleDec 28, 2015 · Amount on Record
Prior SaleOct 31, 2014 · Amount on Record
Deed Document Number2015189110
Deed Book / Page4890 / 1479
Prior Transfer DateJan 22, 2005
Prior Transfer Doc0027592477
Record UpdatedSep 20, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2435 MOCKINGBIRD AVE, SAINT CLOUD, FL 34771-9513
Document Number0057322584
Instrument DateMay 18, 2020
Transaction TypeMortgage
Record UpdatedJul 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2435 MOCKINGBIRD AVE ST CLOUD FL 347719513, ST CLOUD, FL 34771-9513

Mortgage

Document Number0057322584
DateJun 5, 2020
Book Page005732/002584
Instrument72512
Lender
NameR P FNDG INC
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJun 4, 2040

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,845.00 (+5.88%) Homeowner's exemption$194,762 (+5.99%)$358,900 (+13%) Land $65,000 Building $293,900
2024$2,687.00 (+2.28%)
2023$2,627.00 (+4.74%) Homeowner's exemption$183,762 (+3%)$317,600 (+12.98%) Land $55,000 Building $262,600
2022$2,508.00 Homeowner's exemption$178,410$281,100 Land $55,000 Building $226,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 192 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies192 in force
Nearby Flood Claims6 (2002–2023)
Most Recent ClaimNov 2023 · rainfall accumulation

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

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

Wildfire RiskHigh
above 79% of the US · above 69% of Florida
Wildfire Likelihood0.6% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 26 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
CenturyLink
DSL		140 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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