2685 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2685 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,825 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$409,900 (Jul 2022)
Tax Bill	$4,348 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373200010780`

Property Details

APN / Parcel Number

Primary APN	`082531373200010780`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,825 sqft Heated Area
Gross Area	2,289 sqft
1st Floor Area	913 sqft
Upper Floors Area	912 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Detached - Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	44 sqft
Patio Area	244 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2685 MEAD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7879
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 78
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	1
Legal Tract	3732
Legal Lot Number	78
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43600

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	2685 MEAD AVE, SAINT CLOUD, FL 34771-7879
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Warranty Deed, Transfer · VA Mortgage PENTAGON FCU
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 20, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Mar 20, 2018 · Amount on Record
Deed Document Number	0062481490
Deed Book / Page	6248 / 1490
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 8, 2022
Property Address	2685 MEAD AVE, SAINT CLOUD, FL 34771-7879
Document Number	0062481490
Book / Page	6248 / 1490
Map Reference	MB 23 PG 135-141
Instrument Date	Jul 8, 2022
Instrument	2022106476
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,869.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2685 MEAD AVE, 2685, SAINT CLOUD, FL 34771-7879

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2685 MEAD AVE, SAINT CLOUD, FL 34771-7879

Mortgage

Document Number	0062481492
Date	Jul 8, 2022
Instrument	6248/1492

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2685 MEAD AVE, SAINT CLOUD, FL 34771-7879
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 MEAD AVE, SAINT CLOUD, FL 34771-7879

Mortgage

Document Number	0058840510
Date	Feb 3, 2021
Book Page	5884/510
Instrument	2021016061

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Apr 1, 2048

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 20, 2018
Property Address	2685 MEAD AVE, SAINT CLOUD, FL 34771-7879
Document Number	0053032913
Book / Page	005303 / 002913
Instrument Date	Mar 16, 2018
Instrument	44965
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,737.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2685 MEAD AVE ST CLOUD FL 347717879, ST CLOUD, FL 34771-7879

Mortgage

Document Number	53032915
Date	Mar 20, 2018
Book Page	005303/002915
Instrument	44966

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2048

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	$4,348.00 (-4.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$308,300 (-5.6%) Land $45,000 Building $263,300	$308,300 (-5.6%) Land $45,000 Building $263,300
2023	$4,552.00 (+36.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$326,600 (+37.62%) Land $14,900 Building $311,700	$326,600 (+19.81%) Land $14,900 Building $311,700
2022	$3,332.00 Homeowner's exemption	$237,312	$272,600 Land $14,900 Building $257,700

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 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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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