Osceola County property record for 2523 W End Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,791 sqft · built 2019 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $395,000 (Jul 2021) |
| Tax Bill | $6,042 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 272630010300010630 |
| Primary APN | 272630010300010630 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,791 sqft Heated Area |
| Gross Area | 3,722 sqft |
| 1st Floor Area | 1,203 sqft |
| Upper Floors Area | 1,588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 751 sqft |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 140 sqft |
| Patio Area | 602 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2523 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 63 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | DEER CREEK WEST |
| Legal Tract | 103 |
| Legal Lot Number | 63 |
| 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 | 2523 W END DR, SAINT CLOUD, FL 34772-8287 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 8, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Oct 3, 2019 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2021 · Amount on Record |
| Deed Sale | Jul 8, 2021 · Amount on Record |
| Prior Sale | Oct 3, 2019 · Amount on Record |
| Deed Document Number | 2021106616 |
| Deed Book / Page | 5998 / 1322 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2523 W END DR, SAINT CLOUD, FL 34772-8287 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2523 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0058720490 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 5872/490 |
| Instrument | 2021007405 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 8, 2021 |
| Property Address | 2523 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0059981322 |
| Book / Page | 5998 / 1322 |
| Map Reference | MB 27 PG 9-11 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 2021106616 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2021 |
| Title Company | SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2523 W END DR, 2523, SAINT CLOUD, FL 34772-8287 |
| Name | Verified Name |
|---|---|
| Address | 11408 CENTER LAKE DR, WINDERMERE, FL 34786-5998 |
| Document Number | 59981324 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 5998/1324 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 3, 2019 |
| Property Address | 2523 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0056000299 |
| Book / Page | 5600 / 0299 |
| Map Reference | MB 27 PG 9 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 2019127954 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MULTIPLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Address | 2523 W END DR, SAINT CLOUD, FL 34772-8287 |
| Document Number | 0005600300 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 5600/300 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 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 | $6,042.00 (+5.89%) Homeowner's exemption | $380,468 (+5.99%) | $409,100 (-4.57%) Land $75,600 Building $333,500 |
| 2023 | $5,706.00 (+4.24%) Homeowner's exemption | $358,977 (+3.78%) | $428,700 (+23.94%) Land $68,200 Building $360,500 |
| 2022 | $5,474.00 Homeowner's exemption | $345,900 Land $63,000 Building $282,900 | $345,900 Land $63,000 Building $282,900 |
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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