440 Chayne Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 440 Chayne Pl, Saint Cloud, FL 34771 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2022
Square Footage	2,626 sqft Living Area
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$506,990 (2023)
Tax Bill	$6,778.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`28-25-31-5038-0001-2520`
Alternative APN	`253128503800012520`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,626 sqft Living Area
Gross Area	3,196 sqft Gross Area
1st Floor	1,106 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Tile Flooring

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached Garage
Garage Area	462 sqft Garage
Porch Area	108 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	440 CHAYNE PL
City	SAINT CLOUD
State	FL
Zip	34771-9192
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUMMERLY PH 3 PB 31 PGS 120-122 LOT 252
Legal Subdivision	SUMMERLY PHASE 3
Legal Lot Number	252
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records · APN 28-25-31-5038-0001-2520

Assessment roll updated November 26, 2025 · Last verified June 2026

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	440 CHAYNE PL, SAINT CLOUD, FL 34771-9192
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 09, 2023 · Amount on Record
Deed Sale	Jan 09, 2023 · Amount on Record
Deed Doc Number	20233076
Deed Book / Page	6342 / 91
Record Refreshed	Sep 20, 2026

January 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 09, 2023
Property Address	440 CHAYNE PL, SAINT CLOUD, FL 34771-9192
Document Number	0063420091
Book / Page	6342 / 91
Map Reference	MB 31 PG 120-122
Instrument Date	Jan 04, 2023
Instrument	2023003076
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
Loan-to-Value (LTV)	LTV on Record
Tax	$3,549.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	440 CHAYNE PL, SAINT CLOUD, FL 34771-9192

Mortgage

Document Number	0000634295
Date	Jan 09, 2023
Instrument	6342/95

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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	$6,648.00 (-1.92%)	$428,400 (-0.88%) Land $75,000 Building $353,400	$428,400 (-0.88%) Land $75,000 Building $353,400
2024	$6,778.00 (+1.82%)
2023	$6,657.00 (+694.39%)	$432,200 (+620.33%) Land $70,000 Building $362,200	$432,200 (+620.33%) Land $70,000 Building $362,200
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.