6103 Forest Perch Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6103 Forest Perch Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,839 sqft · built 2023
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$445,900 (Aug 2023)
Tax Bill	$6,546 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-3522-0001-1780`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-3522-0001-1780`
Alternative APN	`263103352200011780`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,839 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,839 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	6103 FOREST PERCH DR
City	SAINT CLOUD
State	FL
Zip	34771-8331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AMELIA GROVES PH 1 PB 32 PGS 9-14 LOT 178
Legal Subdivision	AMELIA GROVES PHASE 1
Legal Lot Number	178
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43700

Owner

Source: Osceola County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6103 FOREST PERCH DR, SAINT CLOUD, FL 34771-8331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 8, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Deed Document Number	2023102668
Deed Book / Page	6453 / 2139
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6103 FOREST PERCH DR, SAINT CLOUD, FL 34771-8331
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 FOREST PERCH DR, SAINT CLOUD, FL 34771-8331

Mortgage

Document Number	0068702285
Date	Oct 27, 2025
Book Page	6870/2285
Instrument	2025132663

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2055

August 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2023
Property Address	6103 FOREST PERCH DR, SAINT CLOUD, FL 34771-8331
Document Number	0064532139
Book / Page	6453 / 2139
Map Reference	MB 32 PG 9-14
Instrument Date	Aug 3, 2023
Instrument	2023102668
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,121.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6103 FOREST PERCH DR, SAINT CLOUD, FL 34771-8331

Mortgage

Document Number	0064532141
Date	Aug 8, 2023
Instrument	6453/2141

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,546.00 (+452.87%)	$365,500 (+509.17%) Land $88,000 Building $277,500	$365,500 (+509.17%) Land $88,000 Building $277,500
2023	$1,184.00 (+239.26%)	$60,000 (+14%) Land $60,000	$60,000 (+14%) Land $60,000
2022	$349.00	$25,000 Land $25,000	$25,000 Land $25,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink.

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