2651 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2651 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2016
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$418,400 (Sep 2026)
Tax Bill	$712 (2025)
Deeds & Mortgages	Sep 2026 Sale Feb 2024 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-1260`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-1260`
Alternative APN	`253108373200011260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	2,144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2651 MEAD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7875
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 126
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	1260
Legal Lot Number	126
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of October 13, 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	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 27, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST FCU
Dec 13, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 31, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Nov 7, 2016 · Amount on Record
Deed Document Number	2026119636
Deed Book / Page	7034 / 2745
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2026
Property Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Document Number	0000119636
Book / Page	7034 / 2745
Instrument Date	Sep 10, 2026
Instrument	2026119636
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$295,808.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875

Mortgage

Document Number	0065552244
Date	Feb 27, 2024
Book Page	6555/2244
Instrument	2024025355

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875

Mortgage

Document Number	0062491517
Date	Jul 12, 2022
Book Page	6249/1517
Instrument	2022107301

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 1, 2029

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061061689
Date	Dec 13, 2021
Book Page	6106/1689
Instrument	2021191877

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875

Mortgage

Document Number	0059250746
Date	Mar 31, 2021
Book Page	5925/746
Instrument	2021048542

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2651 MEAD AVE, SAINT CLOUD, FL 34771-7875
Document Number	0055982986
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 MEAD AVE ST CLOUD FL 347717875, ST CLOUD, FL 34771-7875

Mortgage

Document Number	0055982986
Date	Oct 2, 2019
Book Page	005598/002986
Instrument	127098

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+12.84%)	$245,876 (+5.99%)	$387,200 (+0.91%) Land $75,000 Building $312,200
2024	$631.00 (+1.61%)
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$231,988 (+3%)	$383,700 (+19.24%) Land $75,000 Building $308,700
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$225,232	$321,800 Land $60,000 Building $261,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 500 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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