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551 Wiggins Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 551 Wiggins Rd, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2020
Square Footage2,254 sqft Living Area
Lot Size266,151 sqft (6.11 acres)
GarageAttached, 588 sqft
OccupancyOwner Occupied
Tax Bill$6,382.00 (2024)

Property Details

APN / Parcel Number

Primary APN20-25-31-4260-0001-0750
Alternative APNs
  • 253120426000010750
  • 91665

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,254 sqft Living Area
Gross Area3,322 sqft Gross Area
1st Floor2,254 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area266,151 sqft (6.11 acres)
Garage TypeAttached Garage
Garage Area588 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area478 sqft Pool
Deck Area1,382 sqft Deck
Porch Area320 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address551 WIGGINS RD
CitySAINT CLOUD
StateFL
Zip34771-9666
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNARCOOSSEE PB 1 PGS 17-19 & PB 1 PGS 73-74 LOT 75
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Tract4260
Legal Block1
Legal Lot Number75
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1053
Census Tract43700

Owner

Source: Osceola County records · APN 20-25-31-4260-0001-0750

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 RecordIndividual Name on File
Mailing Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 06, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Feb 04, 2020Deed of Trust, Mortgage · Conventional Mortgage
WATERSTONE MORTGAGE CORP
Oct 08, 2020Loan Modification, Mortgage
WATERSTONE MTG CORP
Nov 25, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
Jul 25, 2018Quit Claim Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 25, 2018
Deed SaleJul 25, 2018
Prior SaleApr 23, 1998
Deed Doc Number2018113333
Deed Book / Page5372 / 2948
Last Transfer DateNov 13, 2019
Transfer Doc0056291551
Record RefreshedJun 08, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666
Transaction TypeMortgage
Record UpdatedMay 19, 2022
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666

Mortgage

Document Number0062091700
DateMay 06, 2022
Book Page6209/1700
Instrument2022072745
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueApr 29, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056682182
DateFeb 04, 2020
Book Page5668/2182
Instrument2020017011
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
AddressPEWAUKEE, WI 53072
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term372 Months
DueFeb 01, 2051

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666
Document Number0058282145
Instrument DateOct 08, 2020
Transaction TypeMortgage
Record UpdatedNov 26, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address551 WIGGINS RD ST CLOUD FL 347719666, ST CLOUD, FL 34771-9666

Mortgage

Document Number0058282145
DateNov 06, 2020
Book Page005828/002145
Instrument152286
Lender
NameWATERSTONE MTG CORP
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
AmountAmount Recorded
Term360 Months
DueNov 05, 2050
Interest
Rate TypeFixed Rate

November 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 25, 2019
Property Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666
Document Number0056291551
Book / Page005629 / 001551
Instrument DateNov 13, 2019
Instrument153342
Transaction TypeTransfer
Record UpdatedDec 18, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address279 MICHIGAN ESTATES CIR ST CLOUD FL 34769, ST CLOUD, FL 34769

July 2018: Quit Claim Deed, Foreclosure

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 25, 2018
Property Address551 WIGGINS RD, SAINT CLOUD, FL 34771-9666
Document Number0053722948
Book / Page005372 / 002948
Instrument DateJul 24, 2018
Instrument113333
Transaction TypeForeclosure
Record UpdatedAug 10, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address117 CRAPE MYRTLE DR PONTE VEDRA BEACH FL 320824610, PONTE VEDRA BEACH, FL 32082-4610

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,661.00 (+4.37%) Homeowner's exemption$470,198 (+18.45%)$615,300 (+13.69%) Land $200,400 Building $414,900
2024$6,382.00 (+13.88%)
2023$5,604.00 (+3.76%) Homeowner's exemption$396,946 (+3%)$541,200 (+17.96%) Land $180,400 Building $360,800
2022$5,401.00 Homeowner's exemption$385,385$458,800 Land $152,600 Building $306,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 78% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 287 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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