Osceola County property record for 402 Rebecca Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,725 sqft · built 1988 |
| Lot Size | 0.456 acres (19,863 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Mar 2019) |
| Tax Bill | $3,249 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-26-30-0660-0001-00J0 |
| Primary APN | 13-26-30-0660-0001-00J0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,725 sqft Living Area |
| Gross Area | 2,570 sqft |
| 1st Floor Area | 1,725 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,863 sqft (0.456 acres) |
| Lot Dimensions | 122 ft deep x 163 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 383 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 402 REBECCA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 LOT J ORD 86-FF |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | SOUTH MICHIGAN ACRES REPLAT |
| Legal Tract | 660 |
| Legal Block | 1 |
| Legal Lot Number | J |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 43303 |
Source: Osceola County records, as of November 26, 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 | 402 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC |
| Mar 12, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 29, 2018 | Deed in Lieu of Foreclosure, Foreclosure FIRST INT'L TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on Record |
| Deed Sale | Mar 12, 2019 · Amount on Record |
| Deed Document Number | 201931796 |
| Deed Book / Page | 5490 / 1470 |
| Prior Transfer Date | Feb 13, 2009 |
| Prior Transfer Doc | 0038020898 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 402 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE |
| Name | Verified Name |
|---|
| Document Number | 0057731910 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 5773/1910 |
| Instrument | 2020106620 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 12, 2019 |
| Property Address | 402 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 0054901470 |
| Book / Page | 5490 / 1470 |
| Map Reference | MB 2 PG 42 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 2019031796 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 402 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 2019031797 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 2019031797 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 29, 2018 |
| Property Address | 402 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 0054400407 |
| Book / Page | 005440 / 000407 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 174916 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 18, 2018 |
| Title Company | FIRST INT'L TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 451 7TH ST SW WASHINGTON DC 204100001, WASHINGTON, DC 20410-0001 |
| Investor | Possibly a Property Investor |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,249.00 (+3.57%) Homeowner's exemption | $224,407 (+5.99%) | $320,600 (+3.19%) Land $60,000 Building $260,600 |
| 2024 | $3,137.00 (+2.72%) | ||
| 2023 | $3,054.00 (+3.7%) Homeowner's exemption | $211,732 (+3%) | $310,700 (+24.13%) Land $55,000 Building $255,700 |
| 2022 | $2,945.00 Homeowner's exemption | $205,566 | $250,300 Land $50,000 Building $200,300 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 in force |
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 | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| CenturyLink DSL | 140 / 20 |
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