2680 Zuni Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2680 Zuni Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,449 sqft · built 2020
Lot Size	3.48 acres (151,807 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Apr 2019)
Tax Bill	$12,919 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90711`

Property Details

APN / Parcel Number

Primary APN	`90711`
Alternative APN	`092531426000010130`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,449 sqft Heated Area
Gross Area	7,223 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	151,807 sqft (3.48 acres)
Lot Dimensions	1,100 ft deep x 135 ft wide
Garage Type	Mixed
Boat Access	Boat Access
Boat House	351 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	90711
Street Address	2680 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	NEW MAP NARCOOSSEE PB 1 PG 73 & 74 BEG SE COR LOT 13, N 134.9 FT, N 89 DEG W 1100 FT MOL TO WATERS EDGE, SLY ALONG WATERS
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	ZUNI RD/ LAKE HENDON
Legal Tract	4260
Legal Block	1
Legal Lot Number	13
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 December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2680 ZUNI RD, SAINT CLOUD, FL 34771-7987
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK
Apr 2, 2019	Warranty Deed, Transfer · ARM SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2019 · Amount on Record
Deed Sale	Apr 2, 2019 · Amount on Record
Prior Sale	Jan 10, 1997 · Amount on Record
Deed Document Number	2019040560
Deed Book / Page	5500 / 1237
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2680 ZUNI RD, SAINT CLOUD, FL 34771-7987
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056470081
Date	Dec 26, 2019
Book Page	5647/0081
Instrument	2019167117

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2019
Property Address	2680 ZUNI RD, SAINT CLOUD, FL 34771-7987
Document Number	0055001237
Book / Page	5500 / 1237
Map Reference	MB 1 PG 73&74
Instrument Date	Mar 29, 2019
Instrument	2019040560
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1226 MONTANA ST, 1226, ORLANDO, FL 32803-2607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9704 SWEETLEAF ST, ORLANDO, FL 32827-6813
Investor	Possibly a Property Investor

Mortgage

Document Number	2019040564
Date	Apr 2, 2019
Instrument	2019040564

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$12,919.00 (+8.11%) Homeowner's exemption	$921,945 (+8.29%)	$1,096,600 (+4.07%) Land $225,000 Building $871,600
2023	$11,950.00 (+3.3%) Homeowner's exemption	$851,374 (+3%)	$1,053,700 (+13.37%) Land $225,000 Building $828,700
2022	$11,568.00 Homeowner's exemption	$826,577	$929,400 Land $225,000 Building $704,400

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
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 75% of the US · above 61% of Florida
Wildfire Likelihood	0.4% 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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