Osceola County property record for 521 Pacito Way, Saint Cloud, FL 34769 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,696 sqft · built 2018 |
| Lot Size | 0.038 acres (1,655 sqft) |
| Owner | Individual Name on File |
| Last Sale | $327,000 (Aug 2025) |
| Tax Bill | $2,639 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0057-0001-0550 |
| Primary APN | 04-26-30-0057-0001-0550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 1,934 sqft |
| 1st Floor Area | 920 sqft |
| Upper Floors Area | 776 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,655 sqft (0.038 acres) |
| Lot Dimensions | 59 ft deep x 28 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 18 sqft |
| Patio Area | 114 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 521 PACITO WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BATTAGLIA PB 18 PG 116-117 LOT 55 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | BATTAGLIA |
| Legal Tract | 57 |
| Legal Block | 550 |
| Legal Lot Number | 55 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43203 |
Source: Osceola County records · APN 04-26-30-0057-0001-0550
Assessment roll updated November 26, 2025 · Last verified June 2026
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 |
|---|---|
| Mailing Address | 521 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Sep 14, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Dec 16, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Oct 19, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Jan 31, 2018 | Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on Record |
| Deed Sale | Aug 11, 2025 · Amount on Record |
| Prior Sale | Jan 31, 2018 · Amount on Record |
| Deed Document Number | 202599579 |
| Deed Book / Page | 6832 / 2328 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 521 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0062851438 |
|---|---|
| Date | Sep 14, 2022 |
| Book Page | 6285/1438 |
| Instrument | 2022139505 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 521 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061092706 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 6109/2706 |
| Instrument | 2021194526 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 521 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058142830 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 5814/2830 |
| Instrument | 2020140569 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 31, 2018 |
| Property Address | 521 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Document Number | 0052780708 |
| Book / Page | 5278 / 0708 |
| Map Reference | MB18 PG116&117 |
| Instrument Date | Jan 29, 2018 |
| Instrument | 2018016663 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OSCEOLA TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,351.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 521 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Document Number | 2018016664 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 2018016664 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $2,639.00 (+3.73%) | $195,364 (+5.99%) | $255,600 (-6.3%) Land $40,000 Building $215,600 |
| 2024 | $2,544.00 (+3%) | ||
| 2023 | $2,470.00 (+0.16%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $184,330 (+3%) | $272,800 (+15.59%) Land $14,900 Building $257,900 |
| 2022 | $2,466.00 Homeowner's exemption | $178,962 | $236,000 Land $14,900 Building $221,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force 7 of 15 on primary residences |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017, river or lake flooding, Hurricane Irma |
| Wildfire Risk | Moderate above 46% of the US · above 17% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,099 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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