Osceola County property record for 521 Clay Dr, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,379 sqft Living Area |
| Lot Size | 15,942 sqft (0.366 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $25,000 (2020) |
| Tax Bill | $4,650.00 (2024) |
| Primary APN | 13-26-30-0660-0001-00D0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,379 sqft Living Area |
| Gross Area | 1,979 sqft Gross Area |
| 1st Floor | 1,379 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 15,942 sqft (0.366 acres) |
| Depth X Width | 123 ft x 130 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 396 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 420 sqft Shed |
| Porch Area | 204 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 521 CLAY DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5716 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SO MICH ACRES IN CITY REPLAT BLK 1 LOT D ORD 86-FF |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | SOUTH MICHIGAN ACRES REPLAT |
| Legal Tract | 660 |
| Legal Block | 1 |
| Legal Lot Number | D |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 43303 |
Source: Osceola County records · APN 13-26-30-0660-0001-00D0
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 521 CLAY DR, SAINT CLOUD, FL 34769-5716 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Sep 24, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2020 · Amount on Record |
| Deed Sale | Sep 24, 2020 · Amount on Record |
| Deed Doc Number | 2020128057 |
| Deed Book / Page | 5799 / 1481 |
| Prior Transfer Date | Aug 12, 2011 |
| Prior Transfer Doc | 0041640947 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 521 CLAY DR, SAINT CLOUD, FL 34769-5716 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 521 CLAY DR, SAINT CLOUD, FL 34769-5716 |
| Document Number | 0064250263 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 6425/263 |
| Instrument | 2023077337 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Oct 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2020 |
| Property Address | 521 CLAY DR, SAINT CLOUD, FL 34769-5716 |
| Document Number | 0057991481 |
| Book / Page | 5799 / 1481 |
| Map Reference | MB 2 PG 42 |
| Instrument Date | Sep 21, 2020 |
| Instrument | 2020128057 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 CLAY DR, 521, SAINT CLOUD, FL 34769-5716 |
| Name | Verified Name |
|---|---|
| Address | 521 CLAY DR, SAINT CLOUD, FL 34769-5716 |
| Document Number | 0057991484 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 5799/1484 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,753.00 (+2.22%) Homeowner's exemption | $202,619 (+5.99%) | $264,700 (+3.6%) Land $60,000 Building $204,700 |
| 2024 | $4,650.00 (+1.59%) | ||
| 2023 | $4,577.00 (+2.39%) Homeowner's exemption | $191,174 (+3%) | $255,500 (+23.61%) Land $55,000 Building $200,500 |
| 2022 | $4,470.00 Homeowner's exemption | $185,606 | $206,700 Land $50,000 Building $156,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 463 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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