6375 Topsy Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6375 Topsy Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,180 sqft · built 1987
Lot Size	0.766 acres (33,366 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jan 2017)
Tax Bill	$4,895 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-26-31-5235-0001-0270`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-5235-0001-0270`
Alternative APNs	`263102523500010270` `95573`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,180 sqft Living Area
Gross Area	6,728 sqft
1st Floor Area	2,684 sqft
Upper Floors Area	496 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,366 sqft (0.766 acres)
Lot Dimensions	124 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	1,692 sqft
Parking Spaces	6 Parking Spaces
Porch	Florida Room
Porch Area	864 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6375 TOPSY TRL
City	SAINT CLOUD
State	FL
Zip	34771-9400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORMH
Legal Description	TOPS TERRACE PB 2 PG 041 LOT 27 & 1/54 INT LOTS A & C
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	TOPS TERRACE
Legal Tract	5235
Legal Block	270
Legal Lot Number	27
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

Source: Osceola County records · APN 02-26-31-5235-0001-0270

Assessment roll updated November 26, 2025 · Last verified July 2026

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 File
Mailing Address	6375 TOPSY TRL, SAINT CLOUD, FL 34771-9400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2017 · Amount on Record
Deed Sale	Jan 04, 2017 · Amount on Record
Prior Sale	Mar 03, 2005 · Amount on Record
Deed Document Number	20171799
Deed Book / Page	5080 / 2045
Prior Transfer Date	Oct 25, 2007
Prior Transfer Doc	0035892222
Record Updated	Sep 20, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 04, 2017
Property Address	6375 TOPSY TRL, SAINT CLOUD, FL 34771-9400
Document Number	0050802045
Book / Page	5080 / 2045
Map Reference	MB2 PG41
Instrument Date	Dec 28, 2016
Instrument	2017001799
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12182 HERON DR, 12182, MACHIPONGO, VA 23405-2209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6375 TOPSY TRL, SAINT CLOUD, FL 34771-9400

Mortgage

Document Number	0050802046
Date	Jan 04, 2017
Instrument	5080/2046

Lender

Name	SYNOVUS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$4,895.00 (+5.29%)	$340,189 (+5.99%)	$502,100 (+9.77%) Land $78,000 Building $424,100
2024	$4,649.00 (+2.22%)
2023	$4,548.00 (+4.43%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$320,973 (+3%)	$457,400 (+13.87%) Land $78,000 Building $379,400
2022	$4,355.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,625	$401,700 Land $78,000 Building $323,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

Wildfire

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 166 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.