Osceola County property record for 2640 Mead Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,000 sqft · built 2016 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,300 (Nov 2016) |
| Tax Bill | $5,278 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-25-31-3732-0001-1790 |
| Primary APN | 08-25-31-3732-0001-1790 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,000 sqft Living Area |
| Gross Area | 4,738 sqft |
| 1st Floor Area | 1,786 sqft |
| Upper Floors Area | 2,214 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 255 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2640 MEAD AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7870 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 179 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 08 |
| Legal Subdivision | LAKESHORE AT NARCOOSSEE PH 1 |
| Legal Phase | 1 |
| Legal Tract | 3732 |
| Legal Block | 1790 |
| Legal Lot Number | 179 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43600 |
Source: Osceola County records, as of July 22, 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 Record |
|---|---|
| Mailing Address | 2640 MEAD AVE, SAINT CLOUD, FL 34771-7870 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Jun 23, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2016 · Amount on Record |
| Deed Sale | Nov 23, 2016 · Amount on Record |
| Deed Document Number | 2016176131 |
| Deed Book / Page | 5061 / 635 |
| Last Transfer Date | Aug 8, 2025 |
| Transfer Doc | 0068322764 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2640 MEAD AVE, SAINT CLOUD, FL 34771-7870 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2640 MEAD AVE, SAINT CLOUD, FL 34771-7870 |
| Document Number | 0059480292 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 5948/292 |
| Instrument | 2021066211 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2640 MEAD AVE, SAINT CLOUD, FL 34771-7870 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0057411896 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 5741/1896 |
| Instrument | 2020080023 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,278.00 (+4.66%) | $370,434 (+5.99%) | $468,600 (+0.95%) Land $75,000 Building $393,600 |
| 2024 | $5,043.00 (+2.06%) | ||
| 2023 | $4,941.00 (+3.87%) Homeowner's exemption | $349,510 (+3%) | $464,200 (+18.93%) Land $75,000 Building $389,200 |
| 2022 | $4,757.00 Homeowner's exemption | $339,331 | $390,300 Land $60,000 Building $330,300 |
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
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 394 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, T-Mobile, Verizon, Xfinity.
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