Osceola County property record for 2515 W End Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,843 sqft · built 2019 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $421,200 (Sep 2025) |
| Tax Bill | $3,950 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 272630010300010590 |
| Primary APN | 272630010300010590 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,843 sqft Heated Area |
| Gross Area | 2,516 sqft |
| 1st Floor Area | 1,843 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| 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 |
| Garage Area | 441 sqft |
| Porch | Open Porch |
| Porch Area | 232 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2515 W END DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8287 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER CREEK WEST PB 27 PGS 9-11 LOT 59 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | DEER CREEK WEST |
| Legal Tract | 103 |
| Legal Lot Number | 59 |
| 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 | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 17, 2025 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC |
| Mar 29, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on Record |
| Deed Sale | Sep 17, 2025 · Amount on Record |
| Prior Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 2025115489 |
| Deed Book / Page | 6850 / 1902 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0059580002 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 5958/2 |
| Instrument | 2021074215 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 17, 2025 |
| Property Address | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0068501902 |
| Book / Page | 6850 / 1902 |
| Map Reference | MB 27 PG 9 |
| Instrument Date | Sep 15, 2025 |
| Instrument | 2025115489 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST INT'L TITLE, FIRST INTL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,948.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2949 NOTTEL DR, SAINT CLOUD, FL 34772-8767 |
| Name | Verified Name |
|---|---|
| Address | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0068501904 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 6850/1904 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0056440170 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 5644/0170 |
| Instrument | 2019164939 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 29, 2019 |
| Property Address | 2515 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0054990508 |
| Book / Page | 5499 / 0508 |
| Map Reference | MB 27 PG 9 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 2019039658 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,915.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1560 WELLS RDA, 1560, ORANGE PARK, FL 32073 |
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 2515 WEST END DRIVE, SAINT CLOUD, FL 34772-8287 |
| Document Number | 2019039659 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 2019039659 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
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 | $3,950.00 (+3.51%) Homeowner's exemption | $263,567 (+2.9%) | $342,300 (-7.03%) Land $75,600 Building $266,700 |
| 2024 | $3,816.00 (+2.61%) Homeowner's exemption | $256,139 (+3%) | $368,200 (+3.22%) Land $73,500 Building $294,700 |
| 2023 | $3,719.00 (+3.56%) Homeowner's exemption | $248,679 (+3%) | $356,700 (+22.79%) Land $68,200 Building $288,500 |
| 2022 | $3,591.00 Homeowner's exemption | $241,436 | $290,500 Land $63,000 Building $227,500 |
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 | High above 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
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