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411 Town Square Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 411 Town Square Ct, Saint Cloud, FL 34769

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 1,186 sqft · built 2005
Lot Size0.055 acres (2,439 sqft)
OwnerIndividual Name on Record
Last Sale$210,000 (Oct 2021)
Tax Bill$3,872 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN127528

Property Details

APN / Parcel Number

Primary APN127528
Alternative APN
  • 032630085100010450

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,186 sqft Heated Area
Gross Area1,730 sqft
1st Floor Area1,186 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialFiber Cement Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,439 sqft (0.055 acres)
Garage TypeFinished
Garage Area291 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area253 sqft
Patio Area50 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number127528
Street Address411 TOWN SQUARE CT
CitySAINT CLOUD
StateFL
Zip34769-1919
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeSR3
Legal DescriptionTOWN CENTER VILLAS PB 17 PGS 44-45 LOT 45
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionTOWN CENTER VILLAS
Legal Tract851
Legal Block1
Legal Lot Number45
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2004
Census Tract43203

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 RecordIndividual Name on Record
Mailing Address411 TOWN SQUARE CT, SAINT CLOUD, FL 34769-1919
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 8, 2021 · Amount on Record
Deed SaleOct 8, 2021 · Amount on Record
Prior SaleMar 9, 2010 · Amount on Record
Deed Document Number2021157135
Deed Book / Page6061 / 2580
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 8, 2021
Property Address411 TOWN SQUARE CT, SAINT CLOUD, FL 34769-1919
Document Number0060612580
Book / Page6061 / 2580
Map ReferenceMB 17 PG 44&45
Instrument DateOct 4, 2021
Instrument2021157135
Transaction TypeTransfer
Record UpdatedJan 11, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,470.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4417 13TH ST # ST164, ST164, SAINT CLOUD, FL 34769-6724

Transferred To (Grantee/Buyer)

NameVerified Name
Address411 TOWN SQUARE CT, SAINT CLOUD, FL 34769-1919

Mortgage

Document Number0060612582
DateOct 8, 2021
Instrument6061/2582
Lender
NameAMERICAN BANCSHARES MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,872.00 (+14.35%)$223,900 (+4.14%) Land $38,000 Building $185,900$223,900 (+4.14%) Land $38,000 Building $185,900
2023$3,386.00 (+17.37%)$215,000 (+34.46%) Land $14,900 Building $200,100$215,000 (+34.46%) Land $14,900 Building $200,100
2022$2,885.00$159,900 Land $14,900 Building $145,000$159,900 Land $14,900 Building $145,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 71 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies71 in force
Nearby Flood Claims2 (2017)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 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 RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 263 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: AT&T, CenturyLink.

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