Osceola County property record for 2720 Timbergrove St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,904 sqft · built 2021 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $396,500 (Sep 2021) |
| Tax Bill | $7,046 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502300010710 |
| Primary APN | 092531502300010710 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,904 sqft Heated Area |
| Gross Area | 3,607 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Deck Area | 308 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2720 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 71 |
| Legal Subdivision | SPLIT OAK RESERVE |
| Legal Lot Number | 71 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43700 |
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 | 2720 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 15, 2021 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2021 · Amount on Record |
| Deed Sale | Sep 15, 2021 · Amount on Record |
| Deed Document Number | 2021143357 |
| Deed Book / Page | 6044 / 170 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2720 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2720 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0068671037 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 6867/1037 |
| Instrument | 2025129683 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2035 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 15, 2021 |
| Property Address | 2720 TIMBERGROVE ST, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0060440170 |
| Book / Page | 6044 / 170 |
| Map Reference | MB 29 PG 121-124 |
| Instrument Date | Sep 10, 2021 |
| Instrument | 2021143357 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,775.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2720 TIMBERGROVE STREET, SAINT CLOUD, FL 34771-9318 |
| Document Number | 0006044172 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 6044/172 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $7,046.00 (+6.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $503,034 (+5.99%) | $564,200 (+4.27%) Land $93,000 Building $471,200 |
| 2023 | $6,619.00 (+3.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $474,620 (+3%) | $541,100 (+15.45%) Land $93,000 Building $448,100 |
| 2022 | $6,385.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $460,797 | $468,700 Land $70,000 Building $398,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| 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 |
|
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 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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.
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 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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