442 Rebecca Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 442 Rebecca Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,283 sqft · built 1988
Lot Size	0.366 acres (15,942 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (May 2018)
Tax Bill	$4,381 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0660-0001-00L0`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0660-0001-00L0`
Alternative APNs	`2630130660000100L0` `84687`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,283 sqft Living Area
Gross Area	2,030 sqft
1st Floor Area	1,283 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,942 sqft (0.366 acres)
Lot Dimensions	122 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	288 sqft
Porch	Slab
Porch Area	227 sqft
Deck Area	791 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	442 REBECCA DR
City	SAINT CLOUD
State	FL
Zip	34769-5760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 LOT L 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	L
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2049
Census Tract	43303

Owner

442 Rebecca Dr is owned and occupied by two individuals who bought it in May 2018.

Source: Osceola County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	442 REBECCA DR, SAINT CLOUD, FL 34769-5760
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2018 · Amount on File
Deed Sale	May 8, 2018 · Amount on File
Prior Sale	Oct 4, 1999 · Amount on File
Deed Document Number	201873232
Deed Book / Page	5330 / 454
Prior Transfer Date	May 31, 2007
Prior Transfer Doc	0035300031
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 8, 2018
Property Address	442 REBECCA DR, SAINT CLOUD, FL 34769-5760
Document Number	0053300454
Book / Page	5330 / 0454
Map Reference	MB2 PG42
Instrument Date	May 7, 2018
Instrument	2018073232
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 CLUB VILLAS LN, 139, KISSIMMEE, FL 34744-8438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 REBECCA DR, SAINT CLOUD, FL 34769-5760

Mortgage

Document Number	2018073233
Date	May 8, 2018
Instrument	2018073233

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 442 Rebecca Dr was $4,381 with a homeowner's exemption, up 2% 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	$4,381.00 (+2.05%) Homeowner's exemption	$180,787	$274,800 Land $60,000 Building $214,800
2024	$4,293.00 (+1.61%)
2023	$4,225.00 (+2.37%) Homeowner's exemption	$170,575 (+3%)	$264,000 (+22.68%) Land $55,000 Building $209,000
2022	$4,127.00 Homeowner's exemption	$165,607	$215,200 Land $50,000 Building $165,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 442 Rebecca Dr in Zone X, an area of minimal flood risk.

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 File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 442 Rebecca Dr is moderate, ranking above 59% 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
CenturyLink DSL	140 / 20