432 Chayne Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 432 Chayne Pl, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$458,990 (Sep 2022)
Tax Bill	$5,116 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-25-31-5038-0001-2500`

Property Details

APN / Parcel Number

Primary APN	`28-25-31-5038-0001-2500`
Alternative APN	`253128503800012500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	432 CHAYNE PL
City	SAINT CLOUD
State	FL
Zip	34771-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERLY PH 3 PB 31 PGS 120-122 LOT 250
Legal Lot Number	250
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records · APN 28-25-31-5038-0001-2500

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address	432 CHAYNE PL, SAINT CLOUD, FL 34771-9192
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 12, 2022 · Amount on Record
Deed Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	2022138527
Deed Book / Page	6284 / 1132
Record Updated	Sep 20, 2026

September 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 12, 2022
Property Address	432 CHAYNE PL, SAINT CLOUD, FL 34771-9192
Document Number	0062841132
Book / Page	6284 / 1132
Map Reference	MB 31 PG 120-122
Instrument Date	Sep 09, 2022
Instrument	2022138527
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,213.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IS 432 CHAYNE PLACE, SAINT CLOUD, FL 34771

Mortgage

Document Number	0062841133
Date	Sep 12, 2022
Instrument	6284/1133

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,116.00 (-1.69%) Homeowner's exemption	$358,700 (-0.58%) Land $75,000 Building $283,700	$358,700 (-0.58%) Land $75,000 Building $283,700
2024	$5,204.00 (+2.06%)
2023	$5,099.00 (+508.47%) Homeowner's exemption	$360,800 (+501.33%) Land $70,000 Building $290,800	$360,800 (+501.33%) Land $70,000 Building $290,800
2022	$838.00	$60,000 Land $60,000	$60,000 Land $60,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	About 1 in 114 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.