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420 Crossings Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 420 Crossings Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,748 sqft · built 2024
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$468,400 (Jan 2025)
Tax Bill$9,289 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jan 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN22-25-31-3661-0001-3330

Property Details

APN / Parcel Number

Primary APN22-25-31-3661-0001-3330
Alternative APN
  • 253122366100013330

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,748 sqft Living Area
Gross Area3,279 sqft
1st Floor Area1,203 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Architectural StyleConventional
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached
Garage Area489 sqft
PorchFinished/Open Porch
Porch Area42 sqft

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address420 CROSSINGS AVE
CitySAINT CLOUD
StateFL
Zip34771-8140
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCROSSINGS PH 1 PB 33 PGS 53-60 LOT 333
Legal SubdivisionCROSSINGS PHASE 1
Legal Lot Number333
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1053
Census Tract43700

Owner

420 Crossings Ave is owned and occupied by an individual who bought it in January 2025.

Source: Osceola County records, as of April 21, 2026

Owner of RecordIndividual Name on File
Mailing Address420 CROSSINGS AVE, SAINT CLOUD, FL 34771-8140
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

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

DateDocument
Apr 13, 2026Deed of Trust, Mortgage · Conventional Mortgage
SPACE COAST CREDIT UNION
Jan 2, 2025Special Warranty Deed, Transfer · Conventional Mortgage
NVR MORTGAGE FINANCE INC
Jun 21, 2024Special Warranty Deed, Transfer
NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 2, 2025 · Amount on File
Deed SaleJan 2, 2025 · Amount on File
Prior SaleJun 21, 2024 · Amount on File
Deed Document Number2025426
Deed Book / Page6719 / 2032
Record UpdatedJun 8, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 13, 2026
Property Address420 CROSSINGS AVE, SAINT CLOUD, FL 34771-8140
Document Number0000048887
Book / Page6954 / 1440
Instrument DateApr 8, 2026
Instrument202648887
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address420 CROSSINGS AVE, SAINT CLOUD, FL 34771-8140

Mortgage

Document Number0000048887,
DateApr 13, 2026
Book Page6954/1440
Instrument202648887
Lender
NameSPACE COAST CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

January 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 2, 2025
Property Address420 CROSSINGS AVE, SAINT CLOUD, FL 34771-8140
Document Number0067192032
Book / Page6719 / 2032
Map ReferenceMB 33 PG 53-60
Instrument DateDec 30, 2024
Instrument2025000426
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,278.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address420 CROSSINGS AVE, SAINT CLOUD, FL 34771-8140

Mortgage

Document Number2025000427
DateJan 2, 2025
Instrument2025000427
Lender
NameNVR MORTGAGE FINANCE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2055

June 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 21, 2024
Property Address420 CROSSINGS AVE, SAINT CLOUD, FL 34771-8140
Document Number0066211433
Book / Page6621 / 1433
Map ReferenceMB 33 PG 53-60
Instrument DateJun 19, 2024
Instrument2024082402
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount on Record
Tax$35,000.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 4098, MARYVILLE, TN 37802-4098

Transferred To (Grantee/Buyer)

NameVerified Name
Address1409 TECH BLVD STE 202, 202, TAMPA, FL 33619-7830
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 420 Crossings Ave was $9,289, up 172.9% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,289.00 (+172.88%)$416,100 Land $75,000 Building $341,100$416,100 Land $75,000 Building $341,100
2024$3,404.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 420 Crossings Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 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

Wildfire risk around 420 Crossings Ave is high, ranking above 87% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire RiskHigh
above 87% of the US · above 80% of Florida
Wildfire Likelihood0.9% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Fiber		1,000 / 1,000

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