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6385 Judith Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6385 Judith Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,228 sqft · built 1981
Lot Size0.219 acres (9,583 sqft)
OwnerOwner Name on File
Last Sale$93,300 (Dec 1997)
Tax Bill$1,841 (2025)
Deeds & MortgagesJul 2022 Mortgage
Jun 2018 Mortgage
Flood ZoneZone AE (high risk)
APN92312

Property Details

APN / Parcel Number

Primary APN92312
Alternative APN
  • 262531437000011160

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,228 sqft Heated Area
Gross Area1,936 sqft
1st Floor Area1,228 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions130 ft deep x 75 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

PorchOpen Porch
Porch Area372 sqft
Deck Area180 sqft
FenceFence
Shed1 Shed
Shed Area120 sqft
Boat AccessBoat Access
Boat House200 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number92312
Street Address6385 JUDITH CT
CitySAINT CLOUD
StateFL
Zip34771-9484
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNEW EDEN ON THE LAKES REPLAT UNITS 11 & 14 PB 1 PG 353 LOT 116
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON LK 11&14
Legal Tract4370
Legal Block1
Legal Lot Number116
Legal Unit1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1066
Census Tract43700

Owner

Source: Osceola County records · APN 92312

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 RecordOwner Name on File
Mailing Address6385 JUDITH CT, SAINT CLOUD, FL 34771-9484
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Jul 06, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROYAL UNITED MORTGAGE LLC
Jun 21, 2018Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 29, 1997 · Amount on Record
Deed SaleDec 29, 1997 · Amount on Record
Deed Document Number0145900662
Deed Book / Page01459 / 00662
Record UpdatedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6385 JUDITH CT, SAINT CLOUD, FL 34771-9484
Transaction TypeMortgage
Record UpdatedJul 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address6385 JUDITH CT, SAINT CLOUD, FL 34771-9484

Mortgage

Document Number0062452758
DateJul 06, 2022
Book Page6245/2758
Instrument2022104144
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6385 JUDITH CT, SAINT CLOUD, FL 34771-9484
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053542854
DateJun 21, 2018
Book Page5354/2854
Instrument2018096305
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressMAITLAND, FL 32751
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 01, 2033

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,841.00 (+10.04%) Homeowner's exemption$122,355 (+5.99%)$240,100 (+2.96%) Land $55,000 Building $185,100
2023$1,673.00 (+5.82%) Homeowner's exemption$115,444 (+3%)$233,200 (+24.91%) Land $55,000 Building $178,200
2022$1,581.00 Homeowner's exemption$112,082$186,700 Land $55,000 Building $131,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation66.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire RiskHigh
above 82% of the US · above 72% of Florida
Wildfire LikelihoodAbout 1 in 155 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 224 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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