Osceola County property record for 4280 Tucker Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,518 sqft · built 2024 |
| Lot Size | 2.4 acres (104,544 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $775,000 (Oct 2026) |
| Tax Bill | $5,691 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-27-31-4950-0001-0995 |
| Primary APN | 06-27-31-4950-0001-0995 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,518 sqft Living Area |
| Gross Area | 3,576 sqft |
| 1st Floor Area | 2,518 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Siding Sheathing |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 104,544 sqft (2.4 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 552 sqft |
| Patio Area | 248 sqft |
| Shed | 1 Shed |
| Shed Area | 133 sqft |
| Heating System | HVAC |
|---|
| Street Address | 4280 TUCKER AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 32 S 1/2 OF LOT 99 LESS E 7.5 FT |
| Legal Subdivision | S L & I C |
| Legal Lot Number | 99 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records, as of October 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4280 TUCKER AVE, SAINT CLOUD, FL 34772-8164 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 4, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Dec 15, 2023 | Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on Record |
| Deed Sale | Oct 1, 2026 · Amount on Record |
| Prior Sale | Dec 15, 2023 · Amount on Record |
| Deed Document Number | 2026127093 |
| Deed Book / Page | 7043 / 557 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 4280 TUCKER AVE, SAINT CLOUD, FL 34772-8164 |
| Document Number | 0000127093 |
| Book / Page | 7043 / 557 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026127093 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | ALLIANCE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $547,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4280 TUCKER AVE, SAINT CLOUD, FL 34772-8164 |
| Document Number | 0000127094, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 2026127094 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4280 TUCKER AVE, SAINT CLOUD, FL 34772-8164 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4280 TUCKER AVE, SAINT CLOUD, FL 34772-8164 |
| Document Number | 0068890354 |
|---|---|
| Date | Dec 4, 2025 |
| Book Page | 6889/354 |
| Instrument | 2025148632 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 15, 2023 |
| Property Address | 4280 TUCKER AVE, SAINT CLOUD, FL 34772-8164 |
| Document Number | 0065201062 |
| Book / Page | 6520 / 1062 |
| Map Reference | MB B PG 32 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 2023163750 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 12, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 700493, SAINT CLOUD, FL 34770-0493 |
| Name | Verified Name |
|---|---|
| Address | 3873 CABO ROJO DR, SAINT CLOUD, FL 34772-8373 |
| Document Number | 0065201069 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 6520/1069 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.87% |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.87% |
| Max Rate At Change | 9.87% |
| Index | 1-Year T-Bill |
| Max Rate | 13.8% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,691.00 (+47,325%) | $400,187 (+44,365.22%) | $532,500 (+1,009.38%) Land $156,000 Building $376,500 |
| 2023 | $12.00 (+1%) | $900 (+8%) Land $900 | $48,000 (-) |
| 2022 | $6.00 | $500 Land $500 | $48,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
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