Osceola County property record for 407 Chestnut St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 1981 |
| Square Footage | 3,118 sqft Heated Area |
| Lot Size | 28,924 sqft (0.664 acres) |
| Garage | Finished, 525 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $247,500 (2004) |
| Tax Bill | $4,879.00 (2025) |
| Primary APN | 82469 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 3,118 sqft Heated Area |
| Gross Area | 4,356 sqft Gross Area |
| 1st Floor | 1,625 sqft 1st Floor |
| Upper Floors | 618 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Stone Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 28,924 sqft (0.664 acres) |
| Depth X Width | 162 ft x 110 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 525 sqft Garage |
| Pool Area | 372 sqft Pool |
|---|---|
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 140 sqft Shed |
| Deck Area | 996 sqft Deck |
| Patio Area | 1,200 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 762 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 82469 |
|---|---|
| Street Address | 407 CHESTNUT ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1663 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 1 LOT 11 PB 2 PG 58 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 900 |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Legal Unit | 1L |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82469
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 407 CHESTNUT ST, SAINT CLOUD, FL 34769-1663 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 14, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROYAL UNITED MORTGAGE LLC |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 24, 2004 · Amount on Record |
| Deed Sale | Mar 24, 2004 · Amount on Record |
| Prior Sale | Mar 20, 2000 · Amount on Record |
| Deed Doc Number | 2004057903 |
| Deed Book / Page | 2471 / 0635 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 407 CHESTNUT ST, SAINT CLOUD, FL 34769-1663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052071651 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 5207/1651 |
| Instrument | 2017130019 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 407 CHESTNUT ST, SAINT CLOUD, FL 34769-1663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 407 CHESTNUT ST, SAINT CLOUD, FL 34769-1663 |
| Document Number | 0058201212 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 5820/1212 |
| Instrument | 2020145349 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2035 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,879.00 (+6.04%) Homeowner's exemption | $315,482 (+5.99%) | $554,000 (-3.37%) Land $65,000 Building $489,000 |
| 2023 | $4,601.00 (+65.86%) Homeowner's exemption | $297,662 (+51.8%) | $573,300 (+33.14%) Land $60,000 Building $513,300 |
| 2022 | $2,774.00 Homeowner's exemption | $196,094 | $430,600 Land $55,000 Building $375,600 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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