495 Enaya St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 495 Enaya St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2023
Square Footage	2,020 sqft Heated Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$451,700 (2023)
Tax Bill	$4,990.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212531527700010160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,020 sqft Heated Area
Gross Area	2,668 sqft Gross Area
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	186 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	495 ENAYA ST
City	SAINT CLOUD
State	FL
Zip	34771-0125
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SIENA RESERVE PH 3 PB 32 PGS 186-187 LOT 16
Legal Phase	3
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 212531527700010160

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	495 ENAYA ST, SAINT CLOUD, FL 34771-0125
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Deed Doc Number	2023113283
Deed Book / Page	6465 / 749
Record Refreshed	Jun 08, 2026

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2023
Property Address	495 ENAYA ST, SAINT CLOUD, FL 34771-0125
Document Number	0064650749
Book / Page	6465 / 749
Map Reference	MB 32 PG 186
Instrument Date	Aug 24, 2023
Instrument	2023113283
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,161.90
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE, LAKELAND, FL 33803-4053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 ENAYA ST, SAINT CLOUD, FL 34771-0125

Mortgage

Document Number	0006465751
Date	Aug 29, 2023
Instrument	6465/751

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,990.00 (+410.75%) Homeowner's exemption	$349,654 (+399.51%)	$351,200 (+401.71%) Land $75,000 Building $276,200
2023	$977.00	$70,000 Land $70,000	$70,000 Land $70,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 134 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.