2686 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2686 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,464 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Oct 2021)
Tax Bill	$3,959 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082531373200011050`

Property Details

APN / Parcel Number

Primary APN	`082531373200011050`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,464 sqft Heated Area
Gross Area	2,150 sqft
1st Floor Area	760 sqft
Upper Floors Area	704 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Detached - Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	266 sqft
Patio Area	300 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2686 MEAD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7870
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 105
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	1
Legal Tract	3732
Legal Lot Number	105
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
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	2686 MEAD AVE, SAINT CLOUD, FL 34771-7870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage AUSTIN CAPITAL BANK SSB
Jun 27, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Prior Sale	Jun 27, 2019 · Amount on Record
Deed Document Number	2021162136
Deed Book / Page	6067 / 1971
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 18, 2021
Property Address	2686 MEAD AVE, SAINT CLOUD, FL 34771-7870
Document Number	0060671971
Book / Page	6067 / 1971
Map Reference	MB 23 PG 135-141
Instrument Date	Oct 15, 2021
Instrument	2021162136
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2702 STARGRASS CIR, 2702, CLERMONT, FL 34715-0032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8445 NARCOOSSEE RD APT 14305, 14305, ORLANDO, FL 32827-5642

Mortgage

Document Number	60671973
Date	Oct 18, 2021
Instrument	6067/1973

Lender

Name	AUSTIN CAPITAL BANK SSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2019
Property Address	2686 MEAD AVE, SAINT CLOUD, FL 34771-7870
Document Number	0055480342
Book / Page	5548 / 0342
Map Reference	MB 23 PG 135-141
Instrument Date	Jun 25, 2019
Instrument	2019082896
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,753.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2686 MEAD AVE, SAINT CLOUD, FL 34771-7870

Mortgage

Document Number	0005548344
Date	Jun 27, 2019
Instrument	5548/344

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$3,959.00 (-10.73%) Homeowner's exemption	$275,200 (-4.14%) Land $45,000 Building $230,200	$275,200 (-4.14%) Land $45,000 Building $230,200
2023	$4,435.00 (+12.85%)	$287,100 (+19.63%) Land $14,900 Building $272,200	$287,100 (+19.63%) Land $14,900 Building $272,200
2022	$3,930.00	$240,000 Land $14,900 Building $225,100	$240,000 Land $14,900 Building $225,100

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 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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