6400 Jess Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6400 Jess Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,100 sqft · built 1981
Lot Size	0.224 acres (9,757 sqft)
Owner	2 Company Names on Record
Last Sale	$300,000 (Mar 2024)
Tax Bill	$1,427 (2025)
Deeds & Mortgages	Jan 2026 Transfer Aug 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-25-31-4370-0001-0600`

Property Details

APN / Parcel Number

Primary APN	`26-25-31-4370-0001-0600`
Alternative APNs	`253126437000010600` `92260`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	1,300 sqft
1st Floor Area	1,100 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	340 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6400 JESS CT
City	SAINT CLOUD
State	FL
Zip	34771-9482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	REPLAT NEW EDEN UNIT 11 & 14 PB 1 PG 353 LOT 60
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON THE LAKES UNITS 11 AND 14 RE
Legal Tract	4370
Legal Block	600
Legal Lot Number	60
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1051
Census Tract	43700

Owner

Source: Osceola County records, as of February 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 23, 2023	Intrafamily Transfer, Transfer
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 4, 2020	Deed of Trust, Mortgage · Conventional with PMI FRANCIS K LANIER
Sep 18, 2017	Warranty Deed, Transfer FRANCIS K LANIER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2024 · Amount on Record
Deed Sale	Mar 26, 2024 · Amount on Record
Prior Sale	Sep 18, 2017 · Amount on Record
Deed Document Number	202438439
Deed Book / Page	6571 / 581
Prior Transfer Date	Apr 7, 2023
Prior Transfer Doc	0064622568
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 27, 2026
Property Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482
Document Number	0069131049
Book / Page	6913 / 1049
Map Reference	MB 1 PG 353
Instrument Date	Jan 24, 2026
Instrument	2026011529
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2023
Property Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482
Document Number	0064622568
Book / Page	6462 / 2568
Map Reference	MB 1 PG 353
Instrument Date	Apr 7, 2023
Instrument	2023111182
Transaction Type	Transfer
Record Updated	Sep 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20423 QUINN ST, ORLANDO, FL 32833-4935

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482

Mortgage

Document Number	0061922902
Date	Apr 12, 2022
Book Page	6192/2902
Instrument	2022058469

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482
Document Number	0058062984
Instrument Date	Oct 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6400 JESS CT ST CLOUD FL 347719482, ST CLOUD, FL 34771-9482

Mortgage

Document Number	0058062984
Date	Oct 6, 2020
Book Page	005806/002984
Instrument	133730

Lender

Name	FRANCIS K LANIER
Address	596 EDEN DR, ST CLOUD, FL 34771-8611

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	36 Months
Due	Oct 5, 2023

Interest

Rate	6%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2017
Property Address	6400 JESS CT, SAINT CLOUD, FL 34771-9482
Document Number	0052090458
Book / Page	005209 / 000458
Instrument Date	Aug 31, 2017
Instrument	131906
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	LEGACY TITLE OF CTRL FL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,176.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6400 JESS CT ST CLOUD FL 347719482, ST CLOUD, FL 34771-9482

Mortgage

Document Number	52090460
Date	Sep 18, 2017
Book Page	005209/000460
Instrument	131907

Lender

Name	FRANCIS K LANIER
Address	596 EDEN DR, ST CLOUD, FL 34771-8611
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Sep 17, 2020

Interest

Rate	6%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$1,427.00 (-63.47%)	$104,503 (-24.3%)	$237,400 (+2.95%) Land $55,000 Building $182,400
2024	$3,906.00 (+96.48%)
2023	$1,988.00 (+5.3%) Homeowner's exemption	$138,042 (+3%)	$230,600 (+24.45%) Land $55,000 Building $175,600
2022	$1,888.00 Homeowner's exemption	$134,022	$185,300 Land $55,000 Building $130,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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 86% of the US · above 78% of Florida
Wildfire Likelihood	0.9% 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)

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