Osceola County property record for 551 Brown Bear Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,854 sqft · built 2004 |
| Lot Size | 0.126 acres (5,532 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,387 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 121008 |
| Primary APN | 121008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,854 sqft Heated Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,854 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| 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 | 36 sqft |
| Patio Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 121008 |
|---|---|
| Street Address | 551 BROWN BEAR WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7014 |
| 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 84 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 667 |
| Legal Block | 1 |
| Legal Lot Number | 84 24 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 43303 |
Source: Osceola County records · APN 121008
Assessment roll updated July 1, 2025 · Last verified December 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 | 551 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 05, 2005 |
| Deed Sale | Nov 05, 2005 |
| Deed Document Number | 2004165873 |
| Deed Book / Page | 2580 / 1099 |
| Prior Transfer Date | Aug 23, 2004 |
| Prior Transfer Doc | 2004165873 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $1,387.00 (+7.85%) Homeowner's exemption | $120,369 (+5.99%) | $290,800 (+7.46%) Land $75,000 Building $215,800 |
| 2023 | $1,286.00 (+4.81%) Homeowner's exemption | $113,570 (+3%) | $270,600 (+3.13%) Land $60,000 Building $210,600 |
| 2022 | $1,227.00 Homeowner's exemption | $110,263 | $262,400 Land $55,000 Building $207,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 367 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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