Osceola County property record for 2635 Franklin Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,578 sqft · built 2021 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,000,000 (May 2023) |
| Tax Bill | $13,460 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-4260-0001-0382 |
| Primary APN | 09-25-31-4260-0001-0382 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,578 sqft Living Area |
| 1st Floor Area | 3,000 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | L-Shape |
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 1,050 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 28 sqft |
| Deck Area | 902 sqft |
| Patio Area | 350 sqft |
| Gazebo | 400 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2635 FRANKLIN RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9281 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW MAP OF NARCOOSSEE PB 1 PGS 73 & 74 S 263.32 FT OF LOT 38 LESS COM AT NE COR OF LOT 38, S00-15-02W 658.45 FT, N89-19-25W 312.93 FT, N00-15-02E 658.04 FT TO S R/W LINE OF RON RD, S89-23-53E 312.93 FT TO POB |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | NARCOOSSEE NEW MAP OF |
| Legal Lot Number | 38 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-4260-0001-0382
Assessment roll updated November 26, 2025 · Last verified April 2026
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 | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| May 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage CERTIFIED MORTGAGE PLANNERS |
| Nov 09, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 23, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 19, 2023 · Amount on Record |
| Deed Sale | May 19, 2023 · Amount on Record |
| Deed Document Number | 202364759 |
| Deed Book / Page | 6410 / 2156 |
| Prior Transfer Date | Nov 01, 2021 |
| Prior Transfer Doc | 0060831916 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Document Number | 0061600692 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 6160/692 |
| Instrument | 2022032386 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jan 01, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 19, 2023 |
| Property Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Document Number | 0064102156 |
| Book / Page | 6410 / 2156 |
| Map Reference | MB 1 PG 73&74 |
| Instrument Date | May 05, 2023 |
| Instrument | 2023064759 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PREMIER TITLE/CTRL FL, PREMIER TITLE OF CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5234 WATERSIDE VISTA LN, SAINT CLOUD, FL 34771-7801 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Document Number | 0064102158 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 6410/2158 |
| Name | CERTIFIED MORTGAGE PLANNERS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 09, 2021 |
| Property Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Document Number | 0060831916 |
| Book / Page | 6083 / 1916 |
| Map Reference | MB 1 PG 73&74 |
| Instrument Date | Nov 01, 2021 |
| Instrument | 2021174704 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 23, 2020 |
| Property Address | 2635 FRANKLIN RD, SAINT CLOUD, FL 34771-9281 |
| Document Number | 0058380335 |
| Book / Page | 005838 / 000335 |
| Instrument Date | Sep 12, 2020 |
| Instrument | 159960 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8635 SW RIVERSIDE DR ARCADIA FL 342697130, ARCADIA, FL 34269-7130 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $13,460.00 (+12.47%) Homeowner's exemption | $961,000 (+55.84%) Land $130,000 Building $831,000 | $961,000 (+19.38%) Land $130,000 Building $831,000 |
| 2024 | $11,968.00 (+38.01%) | ||
| 2023 | $8,672.00 (+11.02%) Homeowner's exemption | $616,675 (+3%) | $805,000 (+14.41%) Land $100,000 Building $705,000 |
| 2022 | $7,811.00 Homeowner's exemption | $598,714 | $703,600 Land $100,000 Building $603,600 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | High above 81% of the US · above 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
Based on FCC filings for 85 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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 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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