6298 Lake Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6298 Lake Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,520 sqft · built 1957
Lot Size	0.369 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Mar 2018)
Tax Bill	$4,271 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2326312630000A0170`

Property Details

APN / Parcel Number

Primary APN	`2326312630000A0170`
Alternative APN	`98114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,520 sqft Heated Area
Gross Area	3,264 sqft
1st Floor Area	1,844 sqft
Upper Floors Area	336 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,117 sqft (0.369 acres)
Lot Dimensions	180 ft deep x 90 ft wide
Garage Type	Finished
Garage Area	1,296 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	460 sqft
Deck Area	200 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft
Boat Access	Boat Access
Boat House	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98114
Street Address	6298 LAKE RD
City	SAINT CLOUD
State	FL
Zip	34771-9003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS2
Legal Description	BREEZY PINES PB 1 PG 326 BLK A LOTS 9 & 17
Legal Range	31E
Legal Township	26S
Legal Section	23
Legal Subdivision	BREEZY PINES
Legal Tract	2630
Legal Block	A
Legal Lot Number	9,17 17
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1000
Census Tract	43802

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	6298 LAKE RD, SAINT CLOUD, FL 34771-9003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 5, 2020	Deed of Trust, Mortgage CFBANK NA
Mar 27, 2018	Warranty Deed, Transfer · Conventional with PMI FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2018 · Amount on Record
Deed Sale	Mar 27, 2018 · Amount on Record
Prior Sale	Apr 29, 2009 · Amount on Record
Deed Document Number	2018048983
Deed Book / Page	5307 / 1930
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6298 LAKE RD, SAINT CLOUD, FL 34771-9003
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6298 LAKE RD, SAINT CLOUD, FL 34771-9003

Mortgage

Document Number	0059160697
Date	Mar 19, 2021
Book Page	5916/697
Instrument	2021041349

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6298 LAKE RD, SAINT CLOUD, FL 34771-9003
Document Number	0057381493
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6298 LAKE RD ST CLOUD FL 347719003, ST CLOUD, FL 34771-9003

Mortgage

Document Number	0057381493
Date	Jun 16, 2020
Book Page	005738/001493
Instrument	77200

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2018
Property Address	6298 LAKE RD, SAINT CLOUD, FL 34771-9003
Document Number	0053071930
Book / Page	005307 / 001930
Instrument Date	Mar 26, 2018
Instrument	48983
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6298 LAKE RD ST CLOUD FL 347719003, ST CLOUD, FL 34771-9003

Mortgage

Document Number	53071931
Date	Mar 27, 2018
Book Page	005307/001931
Instrument	48984

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

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	$4,271.00 (+10.19%) Homeowner's exemption	$297,695 (+8.95%)	$442,900 (+7.71%) Land $125,000 Building $317,900
2023	$3,876.00 (+4.14%) Homeowner's exemption	$273,237 (+3%)	$411,200 (+10.09%) Land $125,000 Building $286,200
2022	$3,722.00 Homeowner's exemption	$265,279	$373,500 Land $125,000 Building $248,500

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 77% of the US · above 64% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures