Osceola County property record for 6395 Topsy Trl, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,522 sqft · built 1989 |
| Lot Size | 0.415 acres (18,077 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Jan 1998) |
| Tax Bill | $2,722 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 02-26-31-5235-0001-0280 |
| Primary APN | 02-26-31-5235-0001-0280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,522 sqft Living Area |
| Gross Area | 2,358 sqft |
| 1st Floor Area | 1,228 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,077 sqft (0.415 acres) |
| Lot Dimensions | 99 ft deep x 194 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 580 sqft |
| Utility Building | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 6395 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 28 & 1/54 INT LOTS A & C |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | TOPS TERRACE |
| Legal Tract | 5235 |
| Legal Block | 280 |
| Legal Lot Number | 28 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
6395 Topsy Trl is owned and occupied by two individuals who acquired it in January 2026.
Source: Osceola County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6395 TOPSY TRL, SAINT CLOUD, FL 34771-9400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 1998 · Amount on File |
| Deed Sale | Jan 9, 1998 · Amount on File |
| Deed Book / Page | 1462 / 2503 |
| Last Transfer Date | Jan 8, 2026 |
| Transfer Doc | 0069052019 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 8, 2026 |
| Property Address | 6395 TOPSY TRL, SAINT CLOUD, FL 34771-9400 |
| Document Number | 0069052019 |
| Book / Page | 6905 / 2019 |
| Map Reference | MB 2 PG 41 |
| Instrument Date | Jan 8, 2026 |
| Instrument | 2026003319 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6395 TOPSY TRL, SAINT CLOUD, FL 34771-9400 |
| Name | Verified Name |
|---|---|
| Address | 300 N CANAL ST APT 2209, 2209, CHICAGO, IL 60606-1305 |
The 2025 property tax bill for 6395 Topsy Trl was $2,722 with exemptions applied, up 7% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,722.00 (+6.95%) Homeowner's exemption Veteran's exemption | $183,358 | $288,600 Land $78,000 Building $210,600 |
| 2024 | $2,545.00 (+2.54%) | ||
| 2023 | $2,482.00 (+5.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $173,001 (+3%) | $266,900 (+11.39%) Land $78,000 Building $188,900 |
| 2022 | $2,347.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $167,963 | $239,600 Land $78,000 Building $161,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6395 Topsy Trl 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 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 |
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 risk around 6395 Topsy Trl is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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