Osceola County property record for 2640 Cherokee Rd, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,559 sqft · built 1997 |
| Lot Size | 2.51 acres (109,727 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $101,400 (Jan 2000) |
| Tax Bill | $3,120 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 24-26-29-3670-0003-0080 |
| Primary APN | 24-26-29-3670-0003-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,559 sqft Living Area |
| Gross Area | 2,913 sqft |
| 1st Floor Area | 1,992 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 109,727 sqft (2.51 acres) |
| Lot Dimensions | 495 ft deep x 215 ft wide |
| Garage Area | 567 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Florida Room |
| Porch Area | 921 sqft |
| Deck Area | 672 sqft |
| Shed | 1 Shed |
| Shed Area | 720 sqft |
| Gazebo | 50 sqft |
| Pole Barn | 345 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2640 CHEROKEE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7795 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KISSIMMEE PARK PB 1 PG 41 BLK 3 N 215 FT OF LOT 8 13/26/29 |
| Legal Range | 29E |
| Legal Township | 26S |
| Legal Section | 24 |
| Legal Subdivision | KISSIMMEE PARK |
| Legal Tract | 3670 |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 24-26-29-3670-0003-0080
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 | 2640 CHEROKEE RD, SAINT CLOUD, FL 34772-7795 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jul 02, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Dec 15, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2000 · Amount on Record |
| Deed Sale | Jan 06, 2000 · Amount on Record |
| Prior Sale | Jun 23, 1997 · Amount on Record |
| Deed Book / Page | 1689 / 1164 |
| Last Transfer Date | Dec 09, 2020 |
| Transfer Doc | 0058512197 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2640 CHEROKEE RD, SAINT CLOUD, FL 34772-7795 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2640 CHEROKEE RD, SAINT CLOUD, FL 34772-7795 |
| Document Number | 0062702892 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 6270/2892 |
| Instrument | 2022126708 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 19, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2640 CHEROKEE RD, SAINT CLOUD, FL 34772-7795 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053591980 |
|---|---|
| Date | Jul 02, 2018 |
| Book Page | 5359/1980 |
| Instrument | 2018100881 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34771 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Jun 29, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 15, 2020 |
| Property Address | 2640 CHEROKEE RD, SAINT CLOUD, FL 34772-7795 |
| Document Number | 0058512197 |
| Book / Page | 5851 / 2197 |
| Map Reference | MB 1 PG 41 |
| Instrument Date | Dec 09, 2020 |
| Instrument | 2020170230 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | LAND TITLE PROFESSIONALS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2640 CHEROKEE RD, SAINT CLOUD, FL 34772-7795 |
| Document Number | 58512198 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 5851/2198 |
| Name | RESOURCE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
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 | $3,120.00 (+5.66%) Homeowner's exemption | $214,617 (+5.99%) | $508,600 (+1.8%) Land $176,400 Building $332,200 |
| 2024 | $2,953.00 (+2.25%) | ||
| 2023 | $2,888.00 (+4.52%) Homeowner's exemption | $202,495 (+3%) | $499,600 (+33.01%) Land $176,400 Building $323,200 |
| 2022 | $2,763.00 Homeowner's exemption | $196,598 | $375,600 Land $95,800 Building $279,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 57.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 136 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022, other causes, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | High above 82% of the US · above 73% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 158 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: T-Mobile USA, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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