2490 Zuni Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2490 Zuni Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 7,020 sqft · built 2017
Lot Size	5.31 acres (231,303 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Jan 2017)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2021 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-4260-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-4260-0001-0100`
Alternative APNs	`253116426000010100` `90988`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	7,020 sqft Living Area
Gross Area	9,235 sqft
1st Floor Area	4,266 sqft
Upper Floors Area	2,754 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	231,303 sqft (5.31 acres)
Garage Type	Attached
Garage Area	954 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,261 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	2490 ZUNI RD
City	SAINT CLOUD
State	FL
Zip	34771-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	NARCOOSSEE PB 1 PG 073 LOT 10 OF N 1/2 OF NW 1/4 OF SEC 16 LESS RD R/W AND COM NW COR LOT 11, S 943.09 FT TO POB; S 241.14 FT, N 34 DEG E 273.67 FT, N 84 DEG W 150.43 FT TO POB
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	1
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

2490 Zuni Rd is owned and occupied by two individuals who acquired it in September 2025.

Source: Osceola County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Correction Deed NONE LISTED ON DOCUMENT
Aug 4, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit MARIA SOLEDAD DUENAS SANDOVAL
May 1, 2024	Deed of Trust, Mortgage · Line of Credit HABIB FABS
Sep 26, 2025	Intrafamily Transfer, Transfer
Feb 8, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA
Feb 21, 2020	Loan Modification, Mortgage FREEDOM MTG
Jun 15, 2018	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG
Jan 11, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 2017 · Amount on File
Deed Sale	Jan 1, 2017 · Amount on File
Prior Sale	Nov 1, 2016 · Amount on File
Deed Book / Page	5084 / 2126
Last Transfer Date	Sep 11, 2025
Transfer Doc	0068532842
Record Updated	Oct 29, 2026

August 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2026
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Document Number	0000113357
Book / Page	7027 / 2545
Instrument Date	Aug 31, 2026
Instrument	2026113357
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802

Mortgage

Document Number	0060152898
Date	Aug 4, 2021
Book Page	6015/2898
Instrument	2021120563

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065750983
Date	Apr 2, 2024
Book Page	6575/983
Instrument	2024041598

Lender

Name	MARIA SOLEDAD DUENAS SANDOVAL
Type	Private Party
Address	8548 ANDOVER BRIDGE CT, ORLANDO, FL 32829

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	7 Months
Due	Nov 1, 2024

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065930219
Date	May 1, 2024
Book Page	6593/219
Instrument	2024057129

Lender

Name	HABIB FABS
Type	Private Party
Address	8548 ANDOVER BRIDGE CT, ORLANDO, FL 32829

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	5 Months
Due	Oct 23, 2024

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2025
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Document Number	0068532842
Book / Page	6853 / 2842
Map Reference	MB 1 PG 73
Instrument Date	Sep 12, 2025
Instrument	2025118419
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054742594
Date	Feb 8, 2019
Book Page	5474/2594
Instrument	2019017201

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	KISSIMMEE, FL 34741

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Document Number	0056941590
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2490 ZUNI RD ST CLOUD FL 347717802, ST CLOUD, FL 34771-7802

Mortgage

Document Number	0056941590
Date	Mar 18, 2020
Book Page	005694/001590
Instrument	39029

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Document Number	0053582153
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2490 ZUNI RD ST CLOUD FL 347717802, ST CLOUD, FL 34771-7802

Mortgage

Document Number	0053582153
Date	Jun 28, 2018
Book Page	005358/002153
Instrument	99960

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2048

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2017
Property Address	2490 ZUNI RD, SAINT CLOUD, FL 34771-7802
Document Number	0050842126
Book / Page	005084 / 002126
Instrument Date	Jan 10, 2017
Instrument	6625
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 PORTLIGHT DR #301 ORLANDO FL 328146952, 301, ORLANDO, FL 32814-6952

Tax Assessment & Valuation

The 2025 property tax bill for 2490 Zuni Rd was $712, up 12.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+12.84%)	$931,815 (+2.9%)	$1,765,900 (+16.95%) Land $283,000 Building $1,482,900
2024	$631.00 (+1.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$905,554 (+3%)	$1,510,000 (+13.07%) Land $195,900 Building $1,314,100
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$879,179 (+3%)	$1,335,500 (+16.63%) Land $195,900 Building $1,139,600
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$853,572	$1,145,100 Land $195,900 Building $949,200

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

Flood

FEMA maps place 2490 Zuni Rd in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Wildfire risk around 2490 Zuni Rd is high, ranking above 81% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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