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550 Brown Bear Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 550 Brown Bear Way, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,854 sqft · built 2006
Lot Size0.127 acres (5,532 sqft)
OwnerIndividual Name on File
Last Sale$169,000 (Jul 2014)
Tax Bill$2,296 (2025)
Deeds & MortgagesNov 2020 Mortgage
Oct 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN23-26-30-0668-0001-2240

Property Details

APN / Parcel Number

Primary APN23-26-30-0668-0001-2240
Alternative APNs
  • 263023066800012240
  • 144579

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,854 sqft Living Area
Gross Area2,290 sqft
1st Floor Area1,854 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,532 sqft (0.127 acres)
Lot Dimensions111 ft deep x 50 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area236 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address550 BROWN BEAR WAY
CitySAINT CLOUD
StateFL
Zip34772-7094
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSOUTHERN PINES UNIT 2 PB 18 PG 135-140 LOT 224
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionSOUTHERN PINES UNIT 2
Legal Tract668
Legal Block2240
Legal Lot Number224
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1006
Census Tract43303

Owner

550 Brown Bear Way is owned and occupied by an individual who acquired it in September 2018.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address550 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 12, 2020Deed of Trust, Mortgage · Conventional Mortgage
ADDITION FIN'L CU
Oct 3, 2018Deed of Trust, Mortgage · Conventional Mortgage
CENTRAL FL EDUCATORS FCU
Oct 10, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 31, 2014 · Amount on File
Deed SaleJul 31, 2014 · Amount on File
Prior SaleJun 22, 2012 · Amount on File
Deed Document Number2014109086
Deed Book / Page4644 / 468
Last Transfer DateSep 21, 2018
Transfer Doc0054151821
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address550 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094
Document Number0058352516
Instrument DateNov 12, 2020
Transaction TypeMortgage
Record UpdatedDec 3, 2020
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address550 BROWN BEAR WAY ST CLOUD FL 347727094, ST CLOUD, FL 34772-7094

Mortgage

Document Number0058352516
DateNov 18, 2020
Book Page005835/002516
Instrument158249
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 17, 2050

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address550 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094
Document Number0054151824
Instrument DateOct 3, 2018
Transaction TypeMortgage
Record UpdatedOct 24, 2018
Title CompanyMORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address550 BROWN BEAR WAY ST CLOUD FL 347727094, ST CLOUD, FL 34772-7094

Mortgage

Document Number0054151824
DateOct 10, 2018
Book Page005415/001824
Instrument152460
Lender
NameCENTRAL FL EDUCATORS FCU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 9, 2048

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 10, 2018
Property Address550 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7094
Document Number0054151821
Book / Page005415 / 001821
Instrument DateSep 21, 2018
Instrument152459
Transaction TypeTransfer
Record UpdatedNov 22, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address550 BROWN BEAR WAY ST CLOUD FL 347727094, ST CLOUD, FL 34772-7094

Tax Assessment & Valuation

The 2025 property tax bill for 550 Brown Bear Way was $2,296 with a homeowner's exemption, up 3.8% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,296.00 (+3.75%) Homeowner's exemption$171,155$302,300 Land $75,000 Building $227,300
2024$2,213.00 (+2.98%)
2023$2,149.00 (+4.02%) Homeowner's exemption$161,488 (+3%)$282,000 (+3.07%) Land $60,000 Building $222,000
2022$2,066.00 Homeowner's exemption$156,785$273,600 Land $55,000 Building $218,600

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

Flood

FEMA maps place 550 Brown Bear Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 133 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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.

Wildfire

Wildfire risk around 550 Brown Bear Way is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 54% of the US · lower than 74% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 367 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35

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