2795 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2795 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,820 sqft · built 2018
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$530,000 (May 2023)
Tax Bill	$6,213 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082531373400013170`

Property Details

APN / Parcel Number

Primary APN	`082531373400013170`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,820 sqft Heated Area
Gross Area	3,561 sqft
1st Floor Area	1,634 sqft
Upper Floors Area	1,186 sqft
Flooring	Tile
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	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	313 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2795 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 317
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE
Legal Phase	3
Legal Tract	3734
Legal Lot Number	317
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

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	2795 MEAD AVE, SAINT CLOUD, FL 34771-7939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Prior Sale	Oct 11, 2016 · Amount on Record
Deed Document Number	2023063343
Deed Book / Page	6408 / 2778
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2023
Property Address	2795 MEAD AVE, SAINT CLOUD, FL 34771-7939
Document Number	0064082778
Book / Page	6408 / 2778
Map Reference	MB 24 PG 88-93
Instrument Date	May 15, 2023
Instrument	2023063343
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5004 FALLGLO WAY, SAINT CLOUD, FL 34772-7960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2795 MEAD AVE, SAINT CLOUD, FL 34771-7939

Mortgage

Document Number	0064082780
Date	May 17, 2023
Instrument	6408/2780

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2019
Property Address	2795 MEAD AVE, SAINT CLOUD, FL 34771-7939
Document Number	0054572582
Book / Page	005457 / 002582
Instrument Date	Dec 31, 2018
Instrument	600
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2019
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2795 MEAD AVE ST CLOUD FL 347717939, ST CLOUD, FL 34771-7939

Mortgage

Document Number	54572584
Date	Jan 3, 2019
Book Page	005457/002584
Instrument	601

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

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	$6,213.00 (+57.21%) Homeowner's exemption	$437,900 (+57.16%) Land $75,000 Building $362,900	$437,900 (+1.04%) Land $75,000 Building $362,900
2023	$3,952.00 (+4.11%) Homeowner's exemption	$278,625 (+3%)	$433,400 (+18.94%) Land $75,000 Building $358,400
2022	$3,796.00 Homeowner's exemption	$270,510	$364,400 Land $60,000 Building $304,400

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
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 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 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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.

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)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

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

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