614 Bibbens St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 614 Bibbens St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,112 sqft · built 2020
Lot Size	0.237 acres (10,367 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jan 2021)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12263049500001017E`

Property Details

APN / Parcel Number

Primary APN	`12263049500001017E`
Alternative APN	`84570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,112 sqft Heated Area
Gross Area	1,352 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,367 sqft (0.237 acres)
Lot Dimensions	150 ft deep x 83 ft wide
Garage Type	Finished
Patio Area	50 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	84570
Street Address	614 BIBBENS ST
City	SAINT CLOUD
State	FL
Zip	34769-4760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	S L & I C PB B PG 3 COM AT SW COR LOT 17, N ALONG LOT LINE 175 FT, E 83.33 FT TO POB; N 125 FT, E 83.33 FT, S 125 FT, W 83.33
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	RIVER ROAD
Legal Tract	4950
Legal Block	1
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2005
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of July 1, 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
Mailing Address	614 BIBBENS ST, SAINT CLOUD, FL 34769-4760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Dec 11, 2015 · Amount on Record
Deed Document Number	2021006437
Deed Book / Page	5870 / 2734
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 14, 2021
Property Address	614 BIBBENS ST, SAINT CLOUD, FL 34769
Document Number	0058702734
Book / Page	5870 / 2734
Instrument Date	Jan 6, 2021
Instrument	2021006437
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2803 PALMYRA CT, 2803, SAINT CLOUD, FL 34772-7319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 BIBBENS ST, SAINT CLOUD, FL 34769-4760

Mortgage

Document Number	0058702736
Date	Jan 14, 2021
Instrument	5870/2736

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,864.00 (+6.55%) Homeowner's exemption	$202,896 (+5.99%)	$252,600 (+13.27%) Land $45,000 Building $207,600
2023	$2,688.00 (+3.78%) Homeowner's exemption	$191,435 (+3%)	$223,000 (+14.01%) Land $35,000 Building $188,000
2022	$2,590.00 Homeowner's exemption	$185,860	$195,600 Land $35,000 Building $160,600

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 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.

Wildfire

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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