Osceola County property record for 560 Cody Allen Ct, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,804 sqft · built 2006 |
| Lot Size | 0.406 acres (17,685 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $565,000 (Dec 2025) |
| Tax Bill | $2,401 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2021 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-26-30-0225-0001-0060 |
| Primary APN | 13-26-30-0225-0001-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 2,698 sqft |
| 1st Floor Area | 1,804 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,685 sqft (0.406 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Florida Room |
| Porch Area | 410 sqft |
| Deck Area | 208 sqft |
| Patio Area | 525 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 560 CODY ALLEN CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | HERITAGE PLACE OF ST CLOUD PB 17 PGS 103-104 LOT 6 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | HERITAGE PLACE OF ST CLOUD |
| Legal Tract | 225 |
| Legal Block | 60 |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 43303 |
Source: Osceola County records, as of December 10, 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 Record |
|---|---|
| Mailing Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jan 30, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 3, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 26, 2018 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Oct 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2025 · Amount on Record |
| Deed Sale | Dec 3, 2025 · Amount on Record |
| Prior Sale | Sep 2, 2015 · Amount on Record |
| Deed Document Number | 2025147926 |
| Deed Book / Page | 6888 / 913 |
| Prior Transfer Date | Aug 24, 2015 |
| Prior Transfer Doc | 0048351402 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0058742965 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5874/2965 |
| Instrument | 2021009617 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Document Number | 0060992527 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | 6099/2527 |
| Instrument | 2021186665 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 3, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Document Number | 0065402100 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 6540/2100 |
| Instrument | 2024011564 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 3, 2025 |
| Property Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Document Number | 0068880913 |
| Book / Page | 6888 / 913 |
| Map Reference | MB 17 PG 103&104 |
| Instrument Date | Dec 2, 2025 |
| Instrument | 2025147926 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Title Company | LANDCASTLE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,955.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3134 RIVER SPRINGS BLVD, CLERMONT, FL 34711-9564 |
| Name | Verified Name |
|---|---|
| Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Document Number | 0006888915 |
|---|---|
| Date | Dec 3, 2025 |
| Instrument | 6888/915 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053570611 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 5357/0611 |
| Instrument | 2018098607 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 560 CODY ALLEN CT, SAINT CLOUD, FL 34769-5730 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056142852 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 5614/2852 |
| Instrument | 2019140940 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Osceola County assessment roll, as of November 26, 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 | $2,401.00 (+3.67%) Homeowner's exemption | $177,068 (+8.17%) | $382,800 (+4.31%) Land $70,000 Building $312,800 |
| 2024 | $2,316.00 (+5.8%) | ||
| 2023 | $2,189.00 (+4.04%) Homeowner's exemption | $163,693 (+3%) | $367,000 (+19.86%) Land $65,000 Building $302,000 |
| 2022 | $2,104.00 Homeowner's exemption | $158,926 | $306,200 Land $60,000 Building $246,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 in force |
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 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 94 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 / 50 |
| CenturyLink DSL | 140 / 20 |
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