501 McKay St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 501 McKay St, Saint Cloud, FL 34769

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 784 sqft · built 1982
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Oct 2025)
Tax Bill	$2,286 (2025)
Deeds & Mortgages	Oct 2025 Sale Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`81907`

Property Details

APN / Parcel Number

Primary APN	`81907`
Alternative APN	`032630495000012700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Heated Area
Gross Area	1,026 sqft
1st Floor Area	784 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1992
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	186 ft deep x 75 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	242 sqft
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81907
Street Address	501 MCKAY ST
City	SAINT CLOUD
State	FL
Zip	34769-2047
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RMH
Legal Description	S L & I C PB B PGS 61-62 W 186 FT OF N 1/2 OF LOT 270
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	WEST OF COLUMBIA ST CLOUD
Legal Tract	4950
Legal Block	1
Legal Lot Number	270
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43203

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	501 MCKAY ST, SAINT CLOUD, FL 34769-2047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Warranty Deed, Transfer PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY SVCS
Dec 9, 2020	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Dec 9, 2020 · Amount on Record
Deed Document Number	2025123254
Deed Book / Page	6859 / 2638
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 6, 2025
Property Address	501 MCKAY ST, SAINT CLOUD, FL 34769-2047
Document Number	0068592638
Book / Page	6859 / 2638
Map Reference	MB B PG 61-64
Instrument Date	Oct 3, 2025
Instrument	2025123254
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	PREMIER TITLE AGENCY INC, PREMIER TITLE AGENCY SVCS

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	822 N SAINT ELMO ST, ALLENTOWN, PA 18104-4015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 MCKAY ST, SAINT CLOUD, FL 34769-2047

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 9, 2020
Property Address	501 MCKAY ST, SAINT CLOUD, FL 34769-2047
Document Number	0058480235
Book / Page	005848 / 000235
Instrument Date	Dec 4, 2020
Instrument	167178
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$770.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 MCKAY ST ST CLOUD FL 347692047, ST CLOUD, FL 34769-2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,286.00 (+6.67%)	$141,800 (-) Land $40,000 Building $101,800	$141,800 (-) Land $40,000 Building $101,800
2024	$2,143.00 (+10.07%)	$141,800 (+13.53%) Land $40,000 Building $101,800	$141,800 (+13.53%) Land $40,000 Building $101,800
2023	$1,947.00 (+17.43%)	$124,900 (+34.3%) Land $35,000 Building $89,900	$124,900 (+34.3%) Land $35,000 Building $89,900
2022	$1,658.00	$93,000 Land $30,000 Building $63,000	$93,000 Land $30,000 Building $63,000

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

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 71 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink.

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