Osceola County property record for 631 Brown Bear Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 3,084 sqft Heated Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $425,000 (2022) |
| Tax Bill | $6,472.00 (2025) |
| Primary APN | 121000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,084 sqft Heated Area |
| Gross Area | 3,760 sqft Gross Area |
| 1st Floor | 1,444 sqft 1st Floor |
| Upper Floors | 1,640 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Vinyl/Resilient Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 400 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 200 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 276 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 121000 |
|---|---|
| Street Address | 631 BROWN BEAR CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7046 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SOUTHERN PINES UNIT 1 PB 16 PGS 2-9 LOT 76 AND N 1/2 OF VAC R/W ABUTTING S SIDE |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | SOUTHERN PINES |
| Legal Tract | 667 |
| Legal Block | 1 |
| Legal Lot Number | 76 24 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records · APN 121000
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 |
|---|---|
| Mailing Address | 631 BROWN BEAR CT, SAINT CLOUD, FL 34772-7046 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Dec 03, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on Record |
| Deed Sale | Jun 24, 2022 · Amount on Record |
| Prior Sale | Jun 29, 2016 · Amount on Record |
| Deed Doc Number | 2022098937 |
| Deed Book / Page | 6239 / 1867 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 24, 2022 |
| Property Address | 631 BROWN BEAR CT, SAINT CLOUD, FL 34772-7046 |
| Document Number | 0062391867 |
| Book / Page | 6239 / 1867 |
| Map Reference | MB 16 PG 2 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 2022098937 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2631 DOLFINO CT, 2631, SAINT CLOUD, FL 34772-6713 |
| Name | Verified Name |
|---|---|
| Address | 631 BROWN BEAR CT, SAINT CLOUD, FL 34772-7046 |
| Document Number | 0062391868 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 6239/1868 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 631 BROWN BEAR CT, SAINT CLOUD, FL 34772-7046 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 631 BROWN BEAR CT, SAINT CLOUD, FL 34772-7046 |
| Document Number | 0061000978 |
|---|---|
| Date | Dec 03, 2021 |
| Book Page | 6100/978 |
| Instrument | 2021187082 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $6,472.00 (+5.75%) | $361,400 (+6.42%) Land $75,000 Building $286,400 | $361,400 (+6.42%) Land $75,000 Building $286,400 |
| 2023 | $6,120.00 (+93.12%) | $339,600 (+52.3%) Land $60,000 Building $279,600 | $339,600 (+3.07%) Land $60,000 Building $279,600 |
| 2022 | $3,169.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $222,983 | $329,500 Land $55,000 Building $274,500 |
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
| 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 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.
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