405 Chayne Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 405 Chayne Pl, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,846 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$409,990 (2023)
Tax Bill	$5,236.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`282531503800012640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,846 sqft Heated Area
Gross Area	2,395 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Unfinished Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Shingle Roof
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	108 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	405 CHAYNE PL
City	SAINT CLOUD
State	FL
Zip	34771-9193
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUMMERLY PH 3 PB 31 PGS 120-122 LOT 264
Legal Phase	3
Legal Lot Number	264
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records · APN 282531503800012640

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
Mailing Address	405 CHAYNE PL, SAINT CLOUD, FL 34771-9193
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Deed Doc Number	2023029097
Deed Book / Page	6370 / 2333
Record Refreshed	Jun 08, 2026

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2023
Property Address	405 CHAYNE PL, SAINT CLOUD, FL 34771-9193
Document Number	0063702333
Book / Page	6370 / 2333
Map Reference	MB 31 PG 120-122
Instrument Date	Mar 10, 2023
Instrument	2023029097
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CHAYNE PL, SAINT CLOUD, FL 34771-9193

Mortgage

Document Number	0063702334
Date	Mar 13, 2023
Instrument	6370/2334

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,236.00 (+227.45%)	$326,500 (+366.43%) Land $75,000 Building $251,500	$326,500 (+366.43%) Land $75,000 Building $251,500
2023	$1,599.00 (+90.81%)	$70,000 (+16.67%) Land $70,000	$70,000 (+16.67%) Land $70,000
2022	$838.00	$60,000 Land $60,000	$60,000 Land $60,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 117 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.