Osceola County property record for 441 Clay Dr, Saint Cloud, FL 34769 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1994 |
| Square Footage | 1,292 sqft Living Area |
| Lot Size | 15,942 sqft (0.366 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $233,000 (2020) |
| Tax Bill | $2,780.00 (2025) |
| Primary APN | 13-26-30-0660-0001-00G0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 1,768 sqft Gross Area |
| 1st Floor | 1,292 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 15,942 sqft (0.366 acres) |
| Depth X Width | 123 ft x 130 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 60 sqft Shed |
| Porch Area | 36 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 441 CLAY DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5701 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 LOT G ORD 86-FF |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | SOUTH MICHIGAN ACRES REPLAT |
| Legal Tract | 660 |
| Legal Block | 1 |
| Legal Lot Number | G |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 43303 |
Source: Osceola County records · APN 13-26-30-0660-0001-00G0
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 | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 07, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Sep 12, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Sep 12, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| May 05, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Feb 10, 2017 | Loan Modification, Mortgage · Conventional Mortgage CENTERSTATE BK/FL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2020 · Amount on Record |
| Deed Sale | May 05, 2020 · Amount on Record |
| Prior Sale | Sep 16, 2003 · Amount on Record |
| Deed Doc Number | 202060607 |
| Deed Book / Page | 5718 / 649 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Document Number | 0065461392 |
|---|---|
| Date | Feb 07, 2024 |
| Book Page | 6546/1392 |
| Instrument | 2024016556 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Document Number | 0062832726 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 6283/2726 |
| Instrument | 2022138074 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 01, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Document Number | 0062832732 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 6283/2732 |
| Instrument | 2022138075 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 01, 2062 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 05, 2020 |
| Property Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Document Number | 0057180649 |
| Book / Page | 5718 / 649 |
| Map Reference | MB 2 PG 42 |
| Instrument Date | May 01, 2020 |
| Instrument | 2020060607 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | A Z TEAM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,631.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13840 SOMMERS AVE, 13840, HUDSON, FL 34667-1350 |
| Name | Verified Name |
|---|---|
| Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Document Number | 0005718651 |
|---|---|
| Date | May 05, 2020 |
| Instrument | 5718/651 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 441 CLAY DR, SAINT CLOUD, FL 34769-5701 |
| Document Number | 0051081293 |
| Book / Page | 005108 / 001293 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 441 CLAY DR ST CLOUD FL 347695701, ST CLOUD, FL 34769-5701 |
| Document Number | 0051081293 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 005108/001293 |
| Instrument | 31304 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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 | $2,780.00 (+3.62%) Homeowner's exemption | $198,233 (+5.99%) | $261,000 (+3.9%) Land $60,000 Building $201,000 |
| 2024 | $2,683.00 (+2.84%) | ||
| 2023 | $2,609.00 (+3.82%) Homeowner's exemption | $187,036 (+3%) | $251,200 (+23.8%) Land $55,000 Building $196,200 |
| 2022 | $2,513.00 Homeowner's exemption | $181,589 | $202,900 Land $50,000 Building $152,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 463 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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