Osceola County property record for 425 Jacks Memorial Rd, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,230 sqft · built 1993 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,000 (Apr 2019) |
| Tax Bill | $2,989 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 81890 |
| Primary APN | 81890 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,230 sqft Heated Area |
| Gross Area | 1,930 sqft |
| 1st Floor Area | 1,230 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 44 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 81890 |
|---|---|
| Street Address | 425 JACKS MEMORIAL RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Description | S L & I C PB B PGS 61-62 PART OF LOT 206, BEG AT SE COR, W 314.19 FT, N 85 FT, E 164.48 FT, S 5 FT, E 150 FT, S 80 FT TO POB |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 206 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County records · APN 81890
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 | Individual Name on File |
|---|---|
| Mailing Address | 425 JACKS MEMORIAL RD, SAINT CLOUD, FL 34769-1961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC |
| Apr 24, 2019 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 24, 2019 · Amount on Record |
| Deed Sale | Apr 24, 2019 · Amount on Record |
| Prior Sale | Apr 12, 1999 |
| Deed Document Number | 2019051832 |
| Deed Book / Page | 5512 / 0874 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 425 JACKS MEMORIAL RD, SAINT CLOUD, FL 34769-1961 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 425 JACKS MEMORIAL RD, SAINT CLOUD, FL 34769-1961 |
| Document Number | 0061670860 |
|---|---|
| Date | Mar 09, 2022 |
| Book Page | 6167/860 |
| Instrument | 2022037822 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2019 |
| Property Address | 425 JACKS MEMORIAL RD, SAINT CLOUD, FL 34769-1961 |
| Document Number | 0055120874 |
| Book / Page | 5512 / 0874 |
| Instrument Date | Apr 12, 2019 |
| Instrument | 2019051832 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,393.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 VALERIE CT, 185, TAYLORSVILLE, KY 40071-9140 |
| Name | Verified Name |
|---|---|
| Address | 425 JACKS MEMORIAL RD, SAINT CLOUD, FL 34769-1961 |
| Document Number | 2019051833 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 2019051833 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
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 | $2,989.00 (+6.48%) Homeowner's exemption | $209,872 (+5.99%) | $290,000 (+11.84%) Land $71,500 Building $218,500 |
| 2023 | $2,807.00 (+3.77%) Homeowner's exemption | $198,018 (+3%) | $259,300 (+15.81%) Land $65,000 Building $194,300 |
| 2022 | $2,705.00 Homeowner's exemption | $192,251 | $223,900 Land $58,500 Building $165,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 71 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Lumen Technologies, Verizon.
Based on FCC filings for 420 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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