Osceola County property record for 520 Snail Kite Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,222 sqft · built 2005 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $246,000 (Aug 2019) |
| Tax Bill | $3,555 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0667-0001-1570 |
| Primary APN | 23-26-30-0667-0001-1570 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,222 sqft Living Area |
| Gross Area | 2,666 sqft |
| 1st Floor Area | 1,120 sqft |
| Upper Floors Area | 1,102 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,971 sqft (0.183 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 520 SNAIL KITE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | SOUTHERN PINES UNIT 1 PB 16 PGS 2-9 LOT 157 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES UNIT 1 |
| Legal Tract | 667 |
| Legal Block | 1570 |
| Legal Lot Number | 157 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County assessment roll, 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 File |
|---|---|
| Mailing Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 26, 2019 | Warranty Deed, Transfer · FHA Mortgage SI MORTGAGE COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 26, 2019 · Amount on Record |
| Deed Sale | Aug 26, 2019 · Amount on Record |
| Prior Sale | Jun 9, 2005 · Amount on Record |
| Deed Document Number | 2019110251 |
| Deed Book / Page | 5579 / 307 |
| Prior Transfer Date | Aug 4, 2008 |
| Prior Transfer Doc | 0037372014 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Document Number | 0060651296 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 6065/1296 |
| Instrument | 2021160227 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Document Number | 0058011380 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 5801/1380 |
| Instrument | 2020129772 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 26, 2019 |
| Property Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Document Number | 0055790307 |
| Book / Page | 5579 / 0307 |
| Map Reference | MB 16 PG 2-9 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 2019110251 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | QUALITY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,722.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 964 SENECA TRL, 964, SAINT CLOUD, FL 34772-7760 |
| Name | Verified Name |
|---|---|
| Address | 520 SNAIL KITE AVE, SAINT CLOUD, FL 34772-7084 |
| Investor | Possibly a Property Investor |
| Document Number | 0005579309 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 5579/309 |
| Name | SI MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 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 | $3,555.00 (+3.52%) Homeowner's exemption | $241,523 (+5.99%) | $306,600 (+7.17%) Land $75,000 Building $231,600 |
| 2024 | $3,434.00 (+2.66%) | ||
| 2023 | $3,345.00 (+3.66%) Homeowner's exemption | $227,881 (+3%) | $286,100 (+3.14%) Land $60,000 Building $226,100 |
| 2022 | $3,227.00 Homeowner's exemption | $221,244 | $277,400 Land $55,000 Building $222,400 |
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 500 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 |
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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