Osceola County property record for 2738 Zuni Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,942 sqft · built 2000 |
| Lot Size | 5.65 acres (246,550 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $530,000 (Oct 2019) |
| Tax Bill | $6,788 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 90623 |
| Primary APN | 90623 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,942 sqft Heated Area |
| Gross Area | 3,364 sqft |
| 1st Floor Area | 2,543 sqft |
| Upper Floors Area | 399 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 246,550 sqft (5.65 acres) |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 422 sqft |
| Deck Area | 1,313 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 90623 |
|---|---|
| Street Address | 2738 ZUNI RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7988 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | LAKEWOOD PB 6 PG 47 LOT 8 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | LAKEWOOD |
| Legal Tract | 3719 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2738 ZUNI RD, SAINT CLOUD, FL 34771-7988 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2017 | Deed of Trust, Mortgage · Line of Credit MCCOY FCU |
| Oct 31, 2019 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2019 · Amount on Record |
| Deed Sale | Oct 31, 2019 · Amount on Record |
| Prior Sale | May 16, 2018 · Amount on Record |
| Deed Document Number | 0056152395 |
| Deed Book / Page | 5615 / 2395 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2738 ZUNI RD, SAINT CLOUD, FL 34771-7988 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0051000614 |
|---|---|
| Date | Feb 9, 2017 |
| Book Page | 5100/0614 |
| Instrument | 2017022543 |
| Name | MCCOY FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 31, 2019 |
| Property Address | 2738 ZUNI RD, SAINT CLOUD, FL 34771-7988 |
| Document Number | 0056152395 |
| Book / Page | 005615 / 002395 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 141508 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2738 ZUNI RD ST CLOUD FL 347717988, ST CLOUD, FL 34771-7988 |
| Document Number | 56152397 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 005615/002397 |
| Instrument | 141509 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2049 |
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 | $6,788.00 (+3.84%) Homeowner's exemption | $479,400 (+3.36%) Land $170,500 Building $308,900 | $479,400 (+3.36%) Land $170,500 Building $308,900 |
| 2023 | $6,537.00 (+1.95%) Homeowner's exemption | $463,800 (+9.54%) Land $170,500 Building $293,300 | $463,800 (+9.54%) Land $170,500 Building $293,300 |
| 2022 | $6,412.00 | $423,400 Land $170,500 Building $252,900 | $423,400 Land $170,500 Building $252,900 |
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 AE, 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 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
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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