412 S Zuni Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 412 S Zuni Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,011 sqft · built 2022
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$338,500 (Feb 2022)
Tax Bill	$4,853 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`292531503600010870`

Property Details

APN / Parcel Number

Primary APN	`292531503600010870`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,011 sqft Heated Area
Gross Area	2,595 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	412 S ZUNI RD
City	SAINT CLOUD
State	FL
Zip	34771-9349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER SPRINGS PB 30 PGS 90-96 LOT 87
Legal Subdivision	SILVER SPRINGS
Legal Lot Number	87
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

412 S Zuni Rd is owned and occupied by an individual who bought it in February 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	412 S ZUNI RD, SAINT CLOUD, FL 34771-9349
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2022 · Amount on File
Deed Sale	Feb 9, 2022 · Amount on File
Deed Document Number	2022021605
Deed Book / Page	6146 / 2041
Record Updated	Jun 8, 2026

February 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 9, 2022
Property Address	412 S ZUNI RD, SAINT CLOUD, FL 34771-9349
Document Number	0061462041
Book / Page	6146 / 2041
Map Reference	MB 30 PG 90-96
Instrument Date	Feb 8, 2022
Instrument	2022021605
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,369.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 S ZUNI RD, SAINT CLOUD, FL 34771-9349

Mortgage

Document Number	0061462044
Date	Feb 9, 2022
Instrument	6146/2044

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 412 S Zuni Rd was $4,853 with a homeowner's exemption.

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	$4,853.00 Homeowner's exemption	$339,700 Land $60,000 Building $279,700	$339,700 Land $60,000 Building $279,700
2023	$4,707.00 (+250.22%) Homeowner's exemption	$332,700 (+504.91%) Land $60,000 Building $272,700	$332,700 (+504.91%) Land $60,000 Building $272,700
2022	$1,344.00	$55,000 Land $55,000	$55,000 Land $55,000

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

Flood

FEMA maps place 412 S Zuni Rd in Zone X, an area of minimal flood risk.

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 File median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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.

Wildfire

Wildfire risk around 412 S Zuni Rd is high, ranking above 72% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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