2709 Timbergrove St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2709 Timbergrove St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	4 Baths
Year Built	Built 2022
Square Footage	2,904 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Garage	Finished
Last Sale	$707,300 (2022)
Tax Bill	$8,187.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`092531502300010580`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	2,904 sqft Heated Area
Gross Area	3,607 sqft Gross Area
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	260 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	2709 TIMBERGROVE ST
City	SAINT CLOUD
State	FL
Zip	34771-9319
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SPLIT OAK RESERVE PB 29 PGS 121-124 LOT 58
Legal Subdivision	SPLIT OAK RESERVE
Legal Lot Number	58
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1031
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502300010580

Assessment roll updated July 1, 2025 · Last verified December 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
Mailing Address	23333 38TH DR, LITTLE NECK, NY 11363-1233
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Deed Doc Number	2022132333
Deed Book / Page	6277 / 1085
Record Refreshed	Jun 08, 2026

August 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2022
Property Address	2709 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9319
Document Number	0062771085
Book / Page	6277 / 1085
Map Reference	MB 29 PG 121-124
Instrument Date	Aug 24, 2022
Instrument	2022132333
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,951.10
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23333 38TH DR, LITTLE NECK, NY 11363-1233

Mortgage

Document Number	0062771087
Date	Aug 30, 2022
Instrument	6277/1087

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Sep 01, 2029
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	12.5%
Index	Other
Margin	4
Max Rate	12.5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,187.00 (+3.96%)	$539,500 (+3.87%) Land $97,600 Building $441,900	$539,500 (+3.87%) Land $97,600 Building $441,900
2023	$7,875.00 (+833.06%)	$519,400 (+606.67%) Land $97,600 Building $421,800	$519,400 (+606.67%) Land $97,600 Building $421,800
2022	$844.00	$73,500 Land $73,500	$73,500 Land $73,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	About 1 in 156 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.