6370 Judith Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6370 Judith Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,600 sqft · built 1981
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Sep 2021)
Tax Bill	$3,705 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`92320`

Property Details

APN / Parcel Number

Primary APN	`92320`
Alternative APN	`262531437000011250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,600 sqft Heated Area
Gross Area	1,960 sqft
1st Floor Area	898 sqft
Upper Floors Area	442 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	260 sqft
Deck Area	670 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92320
Street Address	6370 JUDITH CT
City	SAINT CLOUD
State	FL
Zip	34771-9483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	REPLAT NEW EDEN UNITS 11 & 14 LOT 125
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON LK 11&14
Legal Tract	4370
Legal Block	1
Legal Lot Number	125
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1066
Census Tract	43700

Owner

6370 Judith Ct is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	6370 JUDITH CT, SAINT CLOUD, FL 34771-9483
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Special Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Sep 11, 2019	Grant Deed, Transfer · Line of Credit TCM FNDG LLC
Sep 9, 2019	Warranty Deed, Transfer STONEBRIDGE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on File
Deed Sale	Sep 14, 2021 · Amount on File
Prior Sale	Sep 11, 2019 · Amount on File
Deed Document Number	2021142499
Deed Book / Page	6042 / 2934
Record Updated	Jun 8, 2026

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 14, 2021
Property Address	6370 JUDITH CT, SAINT CLOUD, FL 34771-9483
Document Number	0060422934
Book / Page	6042 / 2934
Map Reference	MB 1 PG 353
Instrument Date	Aug 31, 2021
Instrument	2021142499
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	SCA TITLE LLC, TCA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 954165, LAKE MARY, FL 32795-4165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3341 BRACKEN FERN DR, HARMONY, FL 34773-6041

Mortgage

Document Number	60422937
Date	Sep 14, 2021
Instrument	6042/2937

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2019
Property Address	6370 JUDITH CT, SAINT CLOUD, FL 34771-9483
Document Number	0055872238
Book / Page	005587 / 002238
Instrument Date	Aug 29, 2019
Instrument	117308
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,288.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7420 E COLONIAL DR ORLANDO FL 328076316, ORLANDO, FL 32807-6316
Investor	Possibly a Property Investor

Mortgage

Document Number	55872242
Date	Sep 11, 2019
Book Page	005587/002242
Instrument	117310

Lender

Name	TCM FNDG LLC
Address	MIAMI, FL 33132

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 10, 2020

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2019
Property Address	6370 JUDITH CT, SAINT CLOUD, FL 34771-9483
Document Number	0055851688
Book / Page	005585 / 001688
Instrument Date	Aug 28, 2019
Instrument	115440
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$1,054.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2699 LEE RD #120 WINTER PARK FL 327891738, 120, WINTER PARK, FL 32789-1738

Tax Assessment & Valuation

The 2025 property tax bill for 6370 Judith Ct was $3,705 with a homeowner's exemption.

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	$3,705.00 Homeowner's exemption	$256,868	$303,700 Land $55,000 Building $248,700
2023	$3,445.00 (+4.3%) Homeowner's exemption	$242,359 (+3%)	$297,800 (+26.56%) Land $55,000 Building $242,800
2022	$3,303.00 Homeowner's exemption	$235,300 Land $55,000 Building $180,300	$235,300 Land $55,000 Building $180,300

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

Flood

FEMA maps place 6370 Judith Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Wildfire risk around 6370 Judith Ct is high, ranking above 81% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Judith Ct

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