Osceola County property record for 4651 Salamander St, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,870 sqft · built 2006 |
| Lot Size | 0.136 acres (5,924 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Mar 2019) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jun 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0668-0001-1640 |
| Primary APN | 23-26-30-0668-0001-1640 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,870 sqft Living Area |
| Gross Area | 3,288 sqft |
| 1st Floor Area | 1,230 sqft |
| Upper Floors Area | 1,640 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,924 sqft (0.136 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 238 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4651 SALAMANDER ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7083 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | SOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 164 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES UNIT 2 |
| Legal Tract | 668 |
| Legal Block | 1640 |
| Legal Lot Number | 164 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records, as of September 11, 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 Record |
|---|---|
| Mailing Address | 4651 SALAMANDER ST, SAINT CLOUD, FL 34772-7083 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Jun 18, 2018 | Deed of Trust, Mortgage · VA Mortgage BBMC MORTGAGE LLC |
| Jun 26, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Mar 18, 2019 | Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2019 · Amount on Record |
| Deed Sale | Mar 18, 2019 · Amount on Record |
| Prior Sale | Jul 7, 2006 · Amount on Record |
| Deed Document Number | 201933836 |
| Deed Book / Page | 5492 / 2187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 4651 SALAMANDER ST, SAINT CLOUD, FL 34772-7083 |
| Document Number | 0000115017 |
| Book / Page | 7029 / 1844 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 2026115017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4651 SALAMANDER ST, SAINT CLOUD, FL 34772-7083 |
| Document Number | 0000115017, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 7029/1844 |
| Instrument | 2026115017 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4651 SALAMANDER ST, SAINT CLOUD, FL 34772-7083 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053520889 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 5352/0889 |
| Instrument | 2018093810 |
| Name | BBMC MORTGAGE LLC |
|---|---|
| Type | Government Agency |
| Address | LOMBARD, IL 60148 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4651 SALAMANDER ST, SAINT CLOUD, FL 34772-7083 |
| Document Number | 0057470647 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4651 SALAMANDER ST ST CLOUD FL 347727083, ST CLOUD, FL 34772-7083 |
| Document Number | 0057470647 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 005747/000647 |
| Instrument | 84841 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 18, 2019 |
| Property Address | 4651 SALAMANDER ST, SAINT CLOUD, FL 34772-7083 |
| Document Number | 0054922187 |
| Book / Page | 005492 / 002187 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 33836 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4651 SALAMANDER ST ST CLOUD FL 347727083, ST CLOUD, FL 34772-7083 |
| Document Number | 54922189 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 005492/002189 |
| Instrument | 33837 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2049 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 (-99.89%) Homeowner's exemption Veteran's exemption | $254,595 (+5.99%) | $345,500 (+6.64%) Land $75,000 Building $270,500 |
| 2023 | $3,567.00 (+3.6%) Homeowner's exemption | $240,214 (+3%) | $324,000 (+2.96%) Land $60,000 Building $264,000 |
| 2022 | $3,443.00 Homeowner's exemption | $233,218 | $314,700 Land $55,000 Building $259,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 133 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 63% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 367 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 / 35 |
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