2769 Franklin Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2769 Franklin Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,748 sqft · built 2021
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (May 2022)
Tax Bill	$5,613 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092531502300010180`

Property Details

APN / Parcel Number

Primary APN	`092531502300010180`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,748 sqft Heated Area
Gross Area	2,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	3,485 sqft (0.08 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	92 sqft
Deck Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2769 FRANKLIN RD
City	SAINT CLOUD
State	FL
Zip	34771-9283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK RESERVE PB 29 PGS 121-124 LOT 18
Legal Subdivision	SPLIT OAK RESERVE
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1031
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502300010180

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
Co-owner	Verified Secondary Owner
Mailing Address	9448 WILLOW TREE LN, CHARLOTTE, NC 28277-4693
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Warranty Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC
Dec 15, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Dec 15, 2021 · Amount on Record
Deed Document Number	2022077681
Deed Book / Page	6215 / 1338
Record Updated	Jun 08, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2022
Property Address	2769 FRANKLIN RD, SAINT CLOUD, FL 34771-9283
Document Number	0062151338
Book / Page	6215 / 1338
Map Reference	MB 29 PG 121-124
Instrument Date	May 05, 2022
Instrument	2022077681
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 MUNTJAC ST, SEVERANCE, CO 80550-3814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2169 FRANKLIN ROAD, SAINT CLOUD, FL 34771

Mortgage

Document Number	0062151340
Date	May 17, 2022
Instrument	6215/1340

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

December 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2021
Property Address	2769 FRANKLIN RD, SAINT CLOUD, FL 34771-9283
Document Number	0061082692
Book / Page	6108 / 2692
Map Reference	MB 29 PG 121-124
Instrument Date	Dec 02, 2021
Instrument	2021193732
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

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	2769 FRANKLIN RD, SAINT CLOUD, FL 34771-9283

Mortgage

Document Number	0061082694
Date	Dec 15, 2021
Instrument	6108/2694

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,613.00 (+4.51%)	$353,700 (+4%) Land $60,000 Building $293,700	$353,700 (+4%) Land $60,000 Building $293,700
2023	$5,371.00 (+25.29%)	$340,100 (+10.96%) Land $60,000 Building $280,100	$340,100 (+10.96%) Land $60,000 Building $280,100
2022	$4,287.00	$306,500 Land $60,000 Building $246,500	$306,500 Land $60,000 Building $246,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	About 1 in 201 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 278 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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