Osceola County property record for 2565 Cove Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,727 sqft · built 2018 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $343,500 (Oct 2019) |
| Tax Bill | $5,783 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 97530 |
| Primary APN | 97530 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,727 sqft Heated Area |
| Gross Area | 5,189 sqft |
| 1st Floor Area | 1,468 sqft |
| Upper Floors Area | 1,259 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.389 acres) |
| Lot Dimensions | 99 ft deep x 170 ft wide |
| Garage Type | Detached - Finished |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 390 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 464 sqft |
| Deck Area | 570 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 97530 |
|---|---|
| Street Address | 2565 COVE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAY TREE COVE PB 4 PG 74 LOT 22 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | BAY TREE COVE |
| Legal Tract | 2601 |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 43801 |
Source: Osceola County records · APN 97530
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2565 COVE CT, SAINT CLOUD, FL 34771-7933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 08, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Oct 25, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI PENNYMAC |
| Apr 13, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 25, 2019 · Amount on Record |
| Deed Sale | Oct 25, 2019 · Amount on Record |
| Prior Sale | Apr 13, 2018 · Amount on Record |
| Deed Document Number | 0056121101 |
| Deed Book / Page | 5612 / 1101 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2565 COVE CT, SAINT CLOUD, FL 34771-7933 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2565 COVE CT, SAINT CLOUD, FL 34771-7933 |
| Document Number | 0061460957 |
|---|---|
| Date | Feb 08, 2022 |
| Book Page | 6146/957 |
| Instrument | 2022021351 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 25, 2019 |
| Property Address | 2565 COVE CT, SAINT CLOUD, FL 34771-7933 |
| Document Number | 0056121101 |
| Book / Page | 005612 / 001101 |
| Instrument Date | Oct 25, 2019 |
| Instrument | 138606 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 08, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,404.42 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2565 COVE CT ST CLOUD FL 347717933, ST CLOUD, FL 34771-7933 |
| Document Number | 56121102 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 005612/001102 |
| Instrument | 138607 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 13, 2018 |
| Property Address | 2565 COVE CT, SAINT CLOUD, FL 34771-7933 |
| Document Number | 0053160951 |
| Book / Page | 005316 / 000951 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 58222 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $378.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 700355 ST CLOUD FL 347700355, ST CLOUD, FL 34770-0355 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $5,783.00 (+7.05%) Homeowner's exemption | $406,871 (+6.38%) | $649,100 (+26.63%) Land $95,000 Building $554,100 |
| 2023 | $5,402.00 (+26.13%) Homeowner's exemption | $382,473 (+25.23%) | $512,600 (+32.15%) Land $51,000 Building $461,600 |
| 2022 | $4,283.00 Homeowner's exemption | $305,411 | $387,900 Land $51,000 Building $336,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | High above 76% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 209 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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