Osceola County property record for 2783 River Creek Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,281 sqft · built 2021 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $735,000 (Aug 2023) |
| Tax Bill | $9,721 (2025) |
| Deeds & Mortgages | Aug 2023 Sale Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-25-31-5718-0001-1630 |
| Primary APN | 11-25-31-5718-0001-1630 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,281 sqft Living Area |
| Gross Area | 3,159 sqft |
| 1st Floor Area | 2,281 sqft |
| Flooring | Wood |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 606 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 90 sqft |
| Porch | Florida Room |
| Deck Area | 724 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2783 RIVER CREEK LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEL WEBB SUNBRIDGE PH 1 PB 28 PGS 185-197 LOT 163 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 11 |
| Legal Subdivision | DEL WEBB SUNBRIDGE PHS 1 |
| Legal Phase | 1 |
| Legal Lot Number | 163 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43700 |
2783 River Creek Ln is owner-occupied and held in a trust since August 2023.
Source: Osceola County records, as of April 2, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2783 RIVER CREEK LN, SAINT CLOUD, FL 34771-9333 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 22, 2023 | Warranty Deed, Transfer ALLIANCE TITLE COMPANY, ALLIANCE TITLE SERVICES LTD |
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on File |
| Deed Sale | Aug 22, 2023 · Amount on File |
| Prior Sale | Sep 10, 2021 · Amount on File |
| Deed Document Number | 2023110398 |
| Deed Book / Page | 6461 / 2505 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 22, 2023 |
| Property Address | 2783 RIVER CREEK LN, SAINT CLOUD, FL 34771-9333 |
| Document Number | 0064612505 |
| Book / Page | 6461 / 2505 |
| Map Reference | MB 28 PG 185-197 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 2023110398 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Title Company | ALLIANCE TITLE COMPANY, ALLIANCE TITLE SERVICES LTD |
| Amount | Amount on Record |
|---|---|
| Tax | $5,145.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8458 SW 97TH CIR, OCALA, FL 34481-0579 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2783 RIVER CREEK LN, SAINT CLOUD, FL 34771-9333 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2783 RIVER CREEK LN, SAINT CLOUD, FL 34771-9333 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2783 RIVER CREEK LN, SAINT CLOUD, FL 34771-9333 |
| Document Number | 0060402411 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 6040/2411 |
| Instrument | 2021140541 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 2783 River Creek Ln was $9,721, up 2.2% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $9,721.00 (+2.17%) | $542,500 Land $92,000 Building $450,500 | $542,500 Land $92,000 Building $450,500 |
| 2024 | $9,515.00 (+27.36%) | ||
| 2023 | $7,471.00 (+6.2%) Homeowner's exemption | $431,395 (+6.53%) | $550,400 (+28.21%) Land $90,000 Building $460,400 |
| 2022 | $7,035.00 Homeowner's exemption | $404,947 | $429,300 Land $70,000 Building $359,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2783 River Creek Ln in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
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 File 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.
Wildfire risk around 2783 River Creek Ln is high, ranking above 88% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 88% of the US · above 81% of Florida |
|---|---|
| Wildfire Likelihood | 1% 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 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T.
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