4406 Brave Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4406 Brave Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,112 sqft · built 1992
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Sep 2023)
Tax Bill	$1,911 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0775-000C-0170`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0775-000C-0170`
Alternative APNs	`2630160775000C0170` `85832`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,112 sqft Living Area
Gross Area	1,296 sqft
1st Floor Area	1,112 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft
Porch	Florida Room
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4406 BRAVE LN
City	SAINT CLOUD
State	FL
Zip	34772-8803
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	SPUD
Legal Description	TEKA VILLAGE PHASE 1 PB 5 PG 184 BLK C LOT 17
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	TEKA VLG PH 1
Legal Phase	1
Legal Tract	775
Legal Block	C
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1026
Census Tract	43208

Owner

4406 Brave Ln, a mobile home, is owned and occupied by an individual who bought it in September 2023.

Source: Osceola County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	4406 BRAVE LN, SAINT CLOUD, FL 34772-8803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Warranty Deed, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Oct 29, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2023 · Amount on File
Deed Sale	Sep 28, 2023 · Amount on File
Prior Sale	Nov 18, 2014 · Amount on File
Deed Document Number	2023127847
Deed Book / Page	6481 / 1237
Prior Transfer Date	Jun 13, 2008
Prior Transfer Doc	0037002713
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2023
Property Address	4406 BRAVE LN, SAINT CLOUD, FL 34772-8803
Document Number	0064811237
Book / Page	6481 / 1237
Map Reference	MB 5 PG 184
Instrument Date	Sep 22, 2023
Instrument	2023127847
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST EXCEL TITLE LLC, FIRST CLASS TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 CYPRESS LN, BARNEGAT, NJ 08005-1113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 BRAVE LN, SAINT CLOUD, FL 34772-8803

Mortgage

Document Number	0064811238
Date	Sep 28, 2023
Instrument	6481/1238

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 29, 2020
Property Address	4406 BRAVE LN, SAINT CLOUD, FL 34772-8803
Document Number	0058221748
Book / Page	5822 / 1748
Map Reference	MB 5 PG 184
Instrument Date	Aug 7, 2020
Instrument	2020147230
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$881.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	263 LAURIE LN, 263, GRAND ISLAND, NY 14072-1917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 BRAVE LN, SAINT CLOUD, FL 34772-8803

Mortgage

Document Number	0058221749
Date	Oct 29, 2020
Instrument	5822/1749

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4406 Brave Ln was $1,911, down 33.7% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,911.00 (-33.69%)	$161,300 Land $48,000 Building $113,300	$161,300 Land $48,000 Building $113,300
2024	$2,882.00 (+168.34%)
2023	$1,074.00 (+5.19%) Homeowner's exemption	$101,787 (+3%)	$148,300 (+42.46%) Land $35,000 Building $113,300
2022	$1,021.00 Homeowner's exemption	$98,823	$104,100 Land $25,000 Building $79,100

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

Flood

FEMA maps place 4406 Brave Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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

Wildfire risk around 4406 Brave Ln is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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