Osceola County property record for 422 Rebecca Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,379 sqft · built 1988 |
| Lot Size | 0.366 acres (15,943 sqft) |
| Owner | Individual Name on File |
| Last Sale | $247,500 (Jul 2021) |
| Tax Bill | $3,408 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1326300660000100K0 |
| Primary APN | 1326300660000100K0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,379 sqft Heated Area |
| Gross Area | 2,222 sqft |
| 1st Floor Area | 1,379 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,943 sqft (0.366 acres) |
| Lot Dimensions | 122 ft deep x 130 ft wide |
| Garage Type | Finished |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 315 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 84686 |
|---|---|
| Street Address | 422 REBECCA DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 LOT K ORD 86-FF |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | S MICH ACRES REPLAT |
| Legal Tract | 660 |
| Legal Block | 1 |
| Legal Lot Number | K |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 43303 |
422 Rebecca Dr is owned and occupied by an individual who bought it in July 2021.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 422 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| 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.
| Date | Document |
|---|---|
| Jul 12, 2021 | Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK |
| Jun 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Feb 4, 2019 | Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2021 · Amount on File |
| Deed Sale | Jul 12, 2021 · Amount on File |
| Prior Sale | Feb 4, 2019 · Amount on File |
| Deed Document Number | 2021107511 |
| Deed Book / Page | 5999 / 2009 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2021 |
| Property Address | 422 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 0059992009 |
| Book / Page | 5999 / 2009 |
| Map Reference | MB 2 PG 42 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2021107511 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2021 |
| Title Company | CLEAR COAST TITLE LLC, CLEAR OCEAN TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,732.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 126 RURNEL LN, 126, SAINT CLOUD, FL 34771 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 422 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 59992011 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 5999/2011 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 422 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 0057450391 |
| Instrument Date | Jun 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 422 REBECCA DR ST CLOUD FL 347695760, ST CLOUD, FL 34769-5760 |
| Document Number | 0057450391 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 005745/000391 |
| Instrument | 83105 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 4, 2019 |
| Property Address | 422 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 0054712582 |
| Book / Page | 5471 / 2582 |
| Map Reference | MB 2 PG 42 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 2019014099 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10538 STATE ROUTE 22, 10538, GRANVILLE, NY 12832-5701 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 422 REBECCA DR, SAINT CLOUD, FL 34769-5760 |
| Document Number | 2019014100 |
|---|---|
| Date | Feb 4, 2019 |
| Instrument | 2019014100 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 422 Rebecca Dr was $3,408 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,408.00 Homeowner's exemption | $233,288 | $274,900 Land $60,000 Building $214,900 |
| 2023 | $3,205.00 (+3.65%) Homeowner's exemption | $220,111 (+3%) | $265,200 (+24.1%) Land $55,000 Building $210,200 |
| 2022 | $3,092.00 Homeowner's exemption | $213,700 Land $50,000 Building $163,700 | $213,700 Land $50,000 Building $163,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 422 Rebecca Dr 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 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 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 risk around 422 Rebecca Dr is moderate, ranking above 61% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| CenturyLink DSL | 140 / 20 |
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