Osceola County property record for 581 Pacito Way, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,122 sqft · built 2018 |
| Lot Size | 0.044 acres (1,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Aug 2018) |
| Tax Bill | $3,272 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 138324 |
| Primary APN | 138324 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,122 sqft Heated Area |
| Gross Area | 2,538 sqft |
| 1st Floor Area | 875 sqft |
| Upper Floors Area | 1,247 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,960 sqft (0.044 acres) |
| Lot Dimensions | 59 ft deep x 33 ft wide |
| Garage Type | Finished |
| Garage Area | 355 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 61 sqft |
| Patio Area | 114 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 138324 |
|---|---|
| Street Address | 581 PACITO WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7088 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | BATTAGLIA PB 18 PG 116-117 LOT 49 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | BATTAGLIA TOWNHOMES |
| Legal Tract | 57 |
| Legal Block | 1 |
| Legal Lot Number | 49 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43203 |
Source: Osceola County records · APN 138324
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Aug 24, 2018 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on Record |
| Deed Sale | Aug 24, 2018 · Amount on Record |
| Deed Document Number | 2018129337 |
| Deed Book / Page | 5390 / 2378 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Document Number | 0062850029 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 6285/29 |
| Instrument | 2022139172 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 07, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Document Number | 0058720896 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 5872/896 |
| Instrument | 2021007509 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 24, 2018 |
| Property Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Document Number | 0053902378 |
| Book / Page | 5390 / 2378 |
| Map Reference | MB18 PG116&117 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 2018129337 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OSCEOLA TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 581 PACITO WAY, SAINT CLOUD, FL 34769-7088 |
| Document Number | 2018129338 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 2018129338 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
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 | $3,272.00 (+6.37%) Homeowner's exemption | $225,692 (+5.99%) | $292,700 (-7.78%) Land $40,000 Building $252,700 |
| 2023 | $3,076.00 (+3.71%) Homeowner's exemption | $212,944 (+3%) | $317,400 (+15.8%) Land $14,900 Building $302,500 |
| 2022 | $2,966.00 Homeowner's exemption | $206,742 | $274,100 Land $14,900 Building $259,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017, river or lake flooding, Hurricane Irma |
| Wildfire Risk | Moderate above 46% of the US · above 17% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,099 per year |
| Exposure | Direct burnable vegetation at the parcel |
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, availability as of December 31, 2025 · Published October 2026 · based on 142 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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