451 Talisi Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 451 Talisi Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2023
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,518 (Jan 2025)
Tax Bill	$5,524 (2025)
Deeds & Mortgages	Jan 2025 Sale Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-25-31-5038-0001-2840`

Property Details

APN / Parcel Number

Primary APN	`28-25-31-5038-0001-2840`
Alternative APN	`253128503800012840`

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	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	88 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	451 TALISI LOOP
City	SAINT CLOUD
State	FL
Zip	34771-9161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERLY PH 3 PB 31 PGS 120-122 LOT 284
Legal Subdivision	SUMMERLY PHASE 3
Legal Lot Number	284
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records, as of November 26, 2025

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 Record
Mailing Address	451 TALISI LOOP, SAINT CLOUD, FL 34771-9161
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2025	Warranty Deed, Transfer MORTGAGE CONNECT LP
Jul 3, 2023	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2025 · Amount on Record
Deed Sale	Jan 10, 2025 · Amount on Record
Prior Sale	Jul 3, 2023 · Amount on Record
Deed Document Number	20254597
Deed Book / Page	6724 / 1943
Prior Transfer Date	Oct 24, 2024
Prior Transfer Doc	0067241943
Record Updated	Jun 8, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 10, 2025
Property Address	451 TALISI LOOP, SAINT CLOUD, FL 34771-9161
Document Number	0067241943
Book / Page	6724 / 1943
Map Reference	MB 31 PG 120-122
Instrument Date	Oct 24, 2024
Instrument	2025004597
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount Recorded
Tax	$3,182.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 TALISI LOOP, SAINT CLOUD, FL 34771-9161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 TALISI LOOP, SAINT CLOUD, FL 34771-9161

July 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2023
Property Address	451 TALISI LOOP, SAINT CLOUD, FL 34771-9161
Document Number	0064342499
Book / Page	6434 / 2499
Map Reference	MB 31 PG 120-122
Instrument Date	Jun 30, 2023
Instrument	2023085826
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	$3,171.00
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	451 TALISI LOOP, SAINT CLOUD, FL 34771-9161

Mortgage

Document Number	0064342500
Date	Jul 3, 2023
Instrument	6434/2500

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,524.00 (-6.48%)	$388,200 (+428.16%) Land $78,800 Building $309,400	$388,200 (+428.16%) Land $78,800 Building $309,400
2024	$5,907.00 (+258.43%)
2023	$1,648.00 (+96.66%)	$73,500 (+22.5%) Land $73,500	$73,500 (+22.5%) Land $73,500
2022	$838.00	$60,000 Land $60,000	$60,000 Land $60,000

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

Flood

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 Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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

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

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.9% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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