Osceola County property record for 540 Brown Bear Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,264 sqft · built 2006 |
| Lot Size | 0.126 acres (5,532 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Nov 2023) |
| Tax Bill | $3,768 (2025) |
| Deeds & Mortgages | Nov 2023 Sale Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 144580 |
| Primary APN | 144580 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,264 sqft Heated Area |
| Gross Area | 1,720 sqft |
| 1st Floor Area | 1,264 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,532 sqft (0.126 acres) |
| Lot Dimensions | 111 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Patio Area | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 144580 |
|---|---|
| Street Address | 540 BROWN BEAR WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | SOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 225 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 668 |
| Legal Block | 1 |
| Legal Lot Number | 225 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 43303 |
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 |
|---|---|
| Mailing Address | 540 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2023 | Warranty Deed, Transfer PUBLIC TITLE SERVICES LLC |
| Jun 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2023 · Amount on Record |
| Deed Sale | Nov 29, 2023 · Amount on Record |
| Prior Sale | Jun 17, 2022 · Amount on Record |
| Deed Document Number | 2023155680 |
| Deed Book / Page | 6511 / 87 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 29, 2023 |
| Property Address | 540 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094 |
| Document Number | 0065110087 |
| Book / Page | 6511 / 87 |
| Map Reference | MB 18 PG 135-140 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 2023155680 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | PUBLIC TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14904 E HIGHWAY 12, ROGERS, AR 72756-7741 |
| Name | Verified Name |
|---|---|
| Address | 540 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 17, 2022 |
| Property Address | 540 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094 |
| Document Number | 0062350645 |
| Book / Page | 6235 / 645 |
| Map Reference | MB 18 PG 135-140 |
| Instrument Date | Jun 14, 2022 |
| Instrument | 2022095103 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | ERGO DE WAELLAAN, DEUME BELGIUM XX |
| Name | Verified Name |
|---|---|
| Address | 14904 E HIGHWAY 12, ROGERS, AR 72756-7741 |
| Document Number | 0006235647 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 6235/647 |
| Name | ARVEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.12% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.12% |
Source: Osceola County assessment roll, as of July 1, 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 | $3,768.00 (-9.81%) Homeowner's exemption | $253,442 (+9.34%) | $254,500 (+9.79%) Land $75,000 Building $179,500 |
| 2023 | $4,178.00 (+15.54%) | $231,800 (+3.48%) Land $60,000 Building $171,800 | $231,800 (+3.48%) Land $60,000 Building $171,800 |
| 2022 | $3,616.00 | $224,000 Land $55,000 Building $169,000 | $224,000 Land $55,000 Building $169,000 |
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 100 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 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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