2745 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2745 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,820 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$364,900 (Nov 2018)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`082531373400012920`

Property Details

APN / Parcel Number

Primary APN	`082531373400012920`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,820 sqft Heated Area
Gross Area	3,641 sqft
1st Floor Area	1,634 sqft
Upper Floors Area	1,186 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	50 sqft
Porch	Open Porch
Porch Area	313 sqft
Deck Area	638 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2745 MEAD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 3 PB 24 PG 88-93 LOT 292
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE
Legal Phase	3
Legal Tract	3734
Legal Lot Number	292
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

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	Verified Secondary Owner
Mailing Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 18, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Nov 28, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC
Jan 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Deed Document Number	2018173918
Deed Book / Page	5439 / 0421
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939

Mortgage

Document Number	0062672527
Date	Aug 11, 2022
Book Page	6267/2527
Instrument	2022123628

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939
Document Number	0057530047
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2745 MEAD AVE ST CLOUD FL 347717939, ST CLOUD, FL 34771-7939

Mortgage

Document Number	0057530047
Date	Jul 13, 2020
Book Page	005753/000047
Instrument	89927

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2035

November 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 28, 2018
Property Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939
Document Number	0054390421
Book / Page	5439 / 0421
Map Reference	MB24 PG88-93
Instrument Date	Nov 27, 2018
Instrument	2018173918
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,554.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939

Mortgage

Document Number	2018173919
Date	Nov 28, 2018
Instrument	2018173919

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2033

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2017
Property Address	2745 MEAD AVE, SAINT CLOUD, FL 34771-7939
Document Number	0050842246
Book / Page	005084 / 002246
Instrument Date	Jan 11, 2017
Instrument	6658
Transaction Type	Transfer
Record Updated	Jan 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$30,352.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4901 VINELAND RD #500 ORLANDO FL 328117383, 500, ORLANDO, FL 32811-7383
Investor	Possibly a Property Investor

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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$399,242 (+5.99%)	$493,000 (+1.69%) Land $75,000 Building $418,000
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$376,691 (+16.8%)	$484,800 (+30.81%) Land $75,000 Building $409,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$322,516	$370,600 Land $60,000 Building $310,600

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
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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile USA, Verizon, Xfinity.

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