2660 Zuni Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2660 Zuni Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,662 sqft · built 1989
Lot Size	4.77 acres (207,868 sqft)
Owner	2 Company Names on Record
Last Sale	$745,000 (Mar 2020)
Tax Bill	$9,224 (2025)
Deeds & Mortgages	Mar 2021 Transfer Feb 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-25-31-4260-0001-0110`

Property Details

APN / Parcel Number

Primary APN	`09-25-31-4260-0001-0110`
Alternative APNs	`253109426000010110` `90709`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,662 sqft Living Area
Gross Area	5,711 sqft
1st Floor Area	3,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	207,868 sqft (4.77 acres)
Lot Dimensions	1,000 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	858 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	25 sqft
Porch	Finished/Open Porch
Porch Area	1,090 sqft
Deck Area	811 sqft
Shed	1 Shed
Shed Area	160 sqft
Stable	960 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2660 ZUNI RD
City	SAINT CLOUD
State	FL
Zip	34771-7987
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	NARCOOSSEE LOT 11
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	110
Legal Lot Number	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK
Mar 5, 2020	Correction Deed, Transfer QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC
Mar 5, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Prior Sale	May 10, 2010 · Amount on Record
Deed Document Number	202032476
Deed Book / Page	5686 / 1599
Last Transfer Date	Mar 12, 2021
Transfer Doc	0059102672
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 12, 2021
Property Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987
Document Number	0059102672
Book / Page	5910 / 2672
Map Reference	MB 1 PG 73&74
Instrument Date	Mar 12, 2021
Instrument	2021037119
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987
Document Number	0056862994
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2660 ZUNI RD ST CLOUD FL 347717987, ST CLOUD, FL 34771-7987

Mortgage

Document Number	0056862994
Date	Mar 5, 2020
Book Page	005686/002994
Instrument	32860

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2020
Property Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987
Document Number	0056861596
Book / Page	005686 / 001596
Instrument Date	Feb 26, 2020
Instrument	32475
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2660 ZUNI RD ST CLOUD FL 347717987, ST CLOUD, FL 34771-7987
Investor	Possibly a Property Investor

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2020
Property Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987
Document Number	0056861599
Book / Page	5686 / 1599
Map Reference	MB 1 PG 73&74
Instrument Date	Feb 26, 2020
Instrument	2020032476
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2660 ZUNI RD, 2660, SAINT CLOUD, FL 34771-7987

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2660 ZUNI RD, SAINT CLOUD, FL 34771-7987

Mortgage

Document Number	0056861602
Date	Mar 5, 2020
Instrument	5686/1602

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

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	$9,224.00 (+4.66%) Homeowner's exemption	$655,236 (+6.61%)	$811,600 (+14.78%) Land $238,500 Building $573,100
2024	$8,813.00 (+1.96%)
2023	$8,644.00 (+3.46%) Homeowner's exemption	$614,621 (+3%)	$707,100 (+9.53%) Land $238,500 Building $468,600
2022	$8,355.00 Homeowner's exemption	$596,720	$645,600 Land $238,500 Building $407,100

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 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 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	High above 76% of the US · above 64% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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