6390 Adam St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6390 Adam St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1994
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Tax Bill	$1,265 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`94523`

Property Details

APN / Parcel Number

Primary APN	`94523`
Alternative APN	`352531440000010010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	988 sqft Heated Area
Gross Area	1,556 sqft
1st Floor Area	988 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	94523
Street Address	6390 ADAM ST
City	SAINT CLOUD
State	FL
Zip	34771-9412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	NEW EDEN ON THE LAKES REPLAT UNIT 15 PB 1 PG 343 LOTS 1 THRU 4
Legal Range	31E
Legal Township	25S
Legal Section	35
Legal Subdivision	NEW EDEN ON LK UN15R
Legal Tract	4400
Legal Block	1
Legal Lot Number	1-4 2
Legal Unit	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1067
Census Tract	43700

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	Individual Name on Record
Mailing Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 11, 2018	Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS
May 11, 2018	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2013
Deed Sale	Mar 9, 2013
Deed Document Number	0048312718
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061570311
Date	Feb 24, 2022
Book Page	6157/311
Instrument	2022030019

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059810186
Date	Jun 15, 2021
Book Page	5981/186
Instrument	2021092720

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058192773
Date	Oct 26, 2020
Book Page	5819/2773
Instrument	2020144975

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Document Number	0055341790
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6390 ADAM ST ST CLOUD FL 347719412, ST CLOUD, FL 34771-9412

Mortgage

Document Number	0055341790
Date	Jun 4, 2019
Book Page	005534/001790
Instrument	71297

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Document Number	0053710207
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6390 ADAM ST SAINT CLOUD DETROIT MI 48226, DETROIT, MI 48226

Mortgage

Document Number	0053710207
Date	Jul 20, 2018
Book Page	005371/000207
Instrument	111637

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2048

Interest

Rate	3.75%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6390 ADAM ST, SAINT CLOUD, FL 34771-9412
Document Number	0053590069
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6390 ADAM ST ST CLOUD FL 347719412, ST CLOUD, FL 34771-9412

Mortgage

Document Number	0053590069
Date	Jun 29, 2018
Book Page	005359/000069
Instrument	100185

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Interest

Rate	3.75%

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	$1,265.00 (+12.54%) Homeowner's exemption	$80,741 (+5.99%)	$179,100 (+11.31%) Land $35,000 Building $144,100
2023	$1,124.00 (+6.34%) Homeowner's exemption	$76,181 (+3%)	$160,900 (+14.93%) Land $20,000 Building $140,900
2022	$1,057.00 Homeowner's exemption	$73,963	$140,000 Land $20,000 Building $120,000

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 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 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

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	0.6% 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	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)

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