2655 Tahoe Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2655 Tahoe Ter, 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	Individual Name on File
Last Sale	$472,000 (Sep 2023)
Tax Bill	$5,606 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-1170`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-1170`
Alternative APN	`253108373200011170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	2,808 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
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	Florida Room
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2655 TAHOE TER
City	SAINT CLOUD
State	FL
Zip	34771-7887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 117
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	1170
Legal Lot Number	117
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43600

Owner

2655 Tahoe Ter is owned and occupied by an individual who bought it in September 2023.

Source: Osceola County records, as of May 15, 2026

Owner of Record	Individual Name on File
Mailing Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 26, 2023	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Apr 24, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on File
Deed Sale	Sep 26, 2023 · Amount on File
Prior Sale	Feb 29, 2016 · Amount on File
Deed Document Number	2023126050
Deed Book / Page	6479 / 1200
Prior Transfer Date	Apr 18, 2023
Prior Transfer Doc	0063930410
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2026
Property Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887
Document Number	0000060437
Book / Page	6968 / 147
Instrument Date	May 1, 2026
Instrument	202660437
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FREEDOM MORTGAGE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060437,
Date	May 7, 2026
Book Page	6968/147
Instrument	202660437

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jan 1, 2055

Interest

Rate	6.46%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2023
Property Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887
Document Number	0064791200
Book / Page	6479 / 1200
Map Reference	MB 23 PG 135-141
Instrument Date	Sep 22, 2023
Instrument	2023126050
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ROSEMONT TITLE INS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,304.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887

Mortgage

Document Number	0064791202
Date	Sep 26, 2023
Book Page	6479/1202
Instrument	2023126051

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2023
Property Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887
Document Number	0063930410
Book / Page	6393 / 410
Map Reference	MB 23 PG 135-141
Instrument Date	Apr 18, 2023
Instrument	2023048589
Transaction Type	Transfer
Record Updated	May 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6506 S GOLDENROD RD # RD52C, RD52C, ORLANDO, FL 32822-3472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 TAHOE TER, SAINT CLOUD, FL 34771-7887

Tax Assessment & Valuation

The 2025 property tax bill for 2655 Tahoe Ter was $5,606, down 5.1% from the year before.

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	$5,606.00 (-5.11%)	$394,100 Land $75,000 Building $319,100	$394,100 Land $75,000 Building $319,100
2024	$5,908.00 (+5.31%)
2023	$5,610.00 (+13.01%)	$387,400 (+19.24%) Land $75,000 Building $312,400	$387,400 (+19.24%) Land $75,000 Building $312,400
2022	$4,964.00	$324,900 Land $60,000 Building $264,900	$324,900 Land $60,000 Building $264,900

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

Flood

FEMA maps place 2655 Tahoe Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2655 Tahoe Ter is moderate, ranking above 46% of the US, with a 0.07% annual chance of 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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