6109 Lamonte St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6109 Lamonte St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,176 sqft · built 1990
Lot Size	0.282 acres (12,327 sqft)
Owner	Individual Name on Record
Last Sale	$246,500 (Jan 2020)
Tax Bill	$2,419 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97198`

Property Details

APN / Parcel Number

Primary APN	`97198`
Alternative APN	`102631536000010300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,176 sqft Heated Area
Gross Area	2,676 sqft
1st Floor Area	1,636 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,327 sqft (0.282 acres)
Lot Dimensions	140 ft deep x 88 ft wide
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	580 sqft
Patio Area	270 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97198
Street Address	6109 LAMONTE ST
City	SAINT CLOUD
State	FL
Zip	34771-7911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	TYSON SUB NO 3 PB 1 PG 295 LOT 30
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	TYSON #3
Legal Tract	5360
Legal Block	1
Legal Lot Number	30
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2017
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	6109 LAMONTE ST, SAINT CLOUD, FL 34771-7911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Deed Document Number	2020008680
Deed Book / Page	5659 / 1596
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 16, 2020
Property Address	6109 LAMONTE ST, SAINT CLOUD, FL 34771-7911
Document Number	0056591596
Book / Page	005659 / 001596
Instrument Date	Jan 15, 2020
Instrument	8680
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,726.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6109 LAMONTE ST ST CLOUD FL 347717911, ST CLOUD, FL 34771-7911

Mortgage

Document Number	56591597
Date	Jan 16, 2020
Book Page	005659/001597
Instrument	8681

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,419.00 (+9.06%) Homeowner's exemption Widower's exemption	$169,074 (+5.99%)	$298,500 (+22.94%) Land $45,000 Building $253,500
2023	$2,218.00 (+2.12%) Homeowner's exemption Widower's exemption	$159,525 (+3%)	$242,800 (+15.73%) Land $21,200 Building $221,600
2022	$2,172.00 Homeowner's exemption Widower's exemption	$154,879	$209,800 Land $21,200 Building $188,600

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

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
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	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30