Osceola County property record for 2700 Timbergrove St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,496 sqft · built 2022 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $589,000 (Mar 2023) |
| Tax Bill | $7,629 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage May 2022 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 092531502300010660 |
| Primary APN | 092531502300010660 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,496 sqft Heated Area |
| Gross Area | 3,492 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.239 acres) |
| Garage Type | Finished |
| Pool Area | 340 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Deck Area | 584 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2700 TIMBERGROVE ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPLIT OAK RESERVE PB 29 PGS 121-124 LOT 66 |
| Legal Subdivision | SPLIT OAK RESERVE |
| Legal Lot Number | 66 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
Source: Osceola County assessment roll, as of July 1, 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 File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 2700 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 18, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage BRADESCO BAC FLORIDA BANK |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2023 · Amount on Record |
| Deed Sale | Mar 28, 2023 · Amount on Record |
| Prior Sale | May 18, 2022 · Amount on Record |
| Deed Document Number | 2023034531 |
| Deed Book / Page | 6377 / 84 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 28, 2023 |
| Property Address | 2700 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0063770084 |
| Book / Page | 6377 / 84 |
| Map Reference | MB 29 PG 121-124 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 2023034531 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | RED DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,123.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13941 DESTIN BEACH LN, ORLANDO, FL 32827-7336 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2700 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0000637786 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 6377/86 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 18, 2022 |
| Property Address | 2700 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0062161226 |
| Book / Page | 6216 / 1226 |
| Map Reference | MB 29 PG 121-124 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022078509 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,757.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2700 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0062161228 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 6216/1228 |
| Name | BRADESCO BAC FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | May 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,629.00 (+2.22%) Homeowner's exemption | $540,100 (+10.25%) Land $93,000 Building $447,100 | $540,100 (+10.25%) Land $93,000 Building $447,100 |
| 2023 | $7,463.00 (+548.39%) | $489,900 (+599.86%) Land $93,000 Building $396,900 | $489,900 (+599.86%) Land $93,000 Building $396,900 |
| 2022 | $1,151.00 | $70,000 Land $70,000 | $70,000 Land $70,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 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 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
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