Osceola County property record for 2520 W End Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,843 sqft · built 2019 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $264,546 (Oct 2019) |
| Tax Bill | $3,903 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 272630010300010470 |
| Primary APN | 272630010300010470 |
|---|
| 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 | 10,454 sqft (0.239 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Porch | Open Porch |
| Porch Area | 232 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2520 W END DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER CREEK WEST PB 27 PGS 9-11 LOT 47 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | DEER CREEK WEST |
| Legal Tract | 103 |
| Legal Lot Number | 47 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 272630010300010470
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2520 W END DR, SAINT CLOUD, FL 34772-8286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 18, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 18, 2019 · Amount on Record |
| Deed Sale | Oct 18, 2019 · Amount on Record |
| Deed Document Number | 2019135107 |
| Deed Book / Page | 5608 / 0760 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2520 W END DR, SAINT CLOUD, FL 34772-8286 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2520 W END DR, SAINT CLOUD, FL 34772-8286 |
| Document Number | 0060592122 |
|---|---|
| Date | Oct 06, 2021 |
| Book Page | 6059/2122 |
| Instrument | 2021155262 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 18, 2019 |
| Property Address | 2520 W END DR, SAINT CLOUD, FL 34772-8286 |
| Document Number | 0056080760 |
| Book / Page | 5608 / 0760 |
| Map Reference | MB 27 PG 9 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 2019135107 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 02, 2022 |
| Title Company | AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,852.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Address | 2520 W END DR, SAINT CLOUD, FL 34772-8286 |
| Document Number | 0005608761 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 5608/761 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
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 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 | $3,903.00 (+6.2%) Homeowner's exemption | $260,981 (+5.99%) | $336,800 (-4.15%) Land $72,000 Building $264,800 |
| 2023 | $3,675.00 (+3.55%) Homeowner's exemption | $246,239 (+3%) | $351,400 (+23.17%) Land $65,000 Building $286,400 |
| 2022 | $3,549.00 Homeowner's exemption | $239,067 | $285,300 Land $60,000 Building $225,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | High above 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 257 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 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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