Osceola County property record for 491 Brown Bear Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 3,920 sqft · built 2006 |
| Lot Size | 0.248 acres (10,846 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $344,000 (Jan 2007) |
| Tax Bill | $4,453 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 144573 |
| Primary APN | 144573 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,920 sqft Heated Area |
| Gross Area | 4,884 sqft |
| 1st Floor Area | 1,712 sqft |
| Upper Floors Area | 2,208 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,846 sqft (0.248 acres) |
| Garage Type | Finished |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 348 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 144573 |
|---|---|
| Street Address | 491 BROWN BEAR WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7095 |
| 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 218 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 668 |
| Legal Block | 1 |
| Legal Lot Number | 218 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 43303 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 491 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7095 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2007 · Amount on Record |
| Deed Sale | Jan 3, 2007 · Amount on Record |
| Prior Sale | Apr 24, 2013 · Amount on Record |
| Deed Document Number | 0033712125 |
| Deed Book / Page | 3371 / 2125 |
| Last Transfer Date | Oct 22, 2014 |
| Transfer Doc | 0046841508 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 491 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7095 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 491 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7095 |
| Document Number | 0058400962 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 5840/962 |
| Instrument | 2020161598 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALAMO, CA 94507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 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 | $4,453.00 (+6.1%) Homeowner's exemption | $291,683 (+5.99%) | $413,200 (+5.84%) Land $75,000 Building $338,200 |
| 2023 | $4,197.00 (+3.48%) Homeowner's exemption | $275,207 (+3%) | $390,400 (+2.71%) Land $60,000 Building $330,400 |
| 2022 | $4,056.00 Homeowner's exemption | $267,192 | $380,100 Land $55,000 Building $325,100 |
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 60% of the US · lower than 65% 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.
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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