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

Osceola County property record for 591 Brown Bear Way, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2004
Square Footage	1,854 sqft Heated Area
Lot Size	7,231 sqft (0.166 acres)
Occupancy	Owner Occupied
Last Sale	$250,000 (2020)
Tax Bill	$3,378.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`121004`
Alternative APN	`232630066700010800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,854 sqft Heated Area
Gross Area	2,290 sqft Gross Area
1st Floor	1,854 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,231 sqft (0.166 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	400 sqft Garage
Patio Area	200 sqft Patio
Porch	Open Porch
Porch Area	36 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	121004
Street Address	591 BROWN BEAR WAY
City	SAINT CLOUD
State	FL
Zip	34772-7014
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SOUTHERN PINES UNIT 1 PB 16 PGS 2-9 LOT 80
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES
Legal Tract	667
Legal Block	1
Legal Lot Number	80 24
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1008
Census Tract	43303

Owner

Source: Osceola County records · APN 121004

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	591 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7014
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Prior Sale	Aug 23, 2004 · Amount on Record
Deed Doc Number	2020091480
Deed Book / Page	5754 / 1009
Record Refreshed	Jun 08, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 14, 2020
Property Address	591 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7014
Document Number	0057541009
Book / Page	5754 / 1009
Map Reference	MB 16 PG 2-9
Instrument Date	Jul 10, 2020
Instrument	2020091480
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3977 ETERNITY CIR, 3977, SAINT CLOUD, FL 34772-8268

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	591 BROWN BEAR WAY, SAINT CLOUD, FL 34772-7014

Mortgage

Document Number	0057541011
Date	Jul 14, 2020
Instrument	5754/1011

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,378.00 (+6.33%) Homeowner's exemption	$231,628 (+5.99%)	$293,700 (+7.43%) Land $75,000 Building $218,700
2023	$3,177.00 (+3.69%) Homeowner's exemption	$218,545 (+3%)	$273,400 (+3.13%) Land $60,000 Building $213,400
2022	$3,064.00 Homeowner's exemption	$212,180	$265,100 Land $55,000 Building $210,100

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 685 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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