Osceola County property record for 6405 Pine Warbler Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,784 sqft · built 2024 |
| Lot Size | 0.08 acres (3,484 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $364,400 (Jan 2024) |
| Tax Bill | $3,310 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-31-4726-0001-0280 |
| Primary APN | 14-26-31-4726-0001-0280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,784 sqft Living Area |
| Gross Area | 2,409 sqft |
| 1st Floor Area | 894 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,484 sqft (0.08 acres) |
| Garage Type | Detached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 154 sqft |
| Heating System | HVAC |
|---|
| Street Address | 6405 PINE WARBLER WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8992 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE GLEN PH 4 PB 33 PGS 61-62 LOT 28 |
| Legal Subdivision | PINE GLEN PHASF 4 |
| Legal Lot Number | 28 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43802 |
Source: Osceola County records, as of May 21, 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 Record |
|---|---|
| Mailing Address | 6405 PINE WARBLER WAY, SAINT CLOUD, FL 34771-8992 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 19, 2024 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2024 · Amount on Record |
| Deed Sale | Jan 19, 2024 · Amount on Record |
| Deed Document Number | 20247936 |
| Deed Book / Page | 6536 / 1637 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6405 PINE WARBLER WAY, SAINT CLOUD, FL 34771-8992 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6405 PINE WARBLER WAY, SAINT CLOUD, FL 34771-8992 |
| Document Number | 0068642083 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 6864/2083 |
| Instrument | 2025127541 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 19, 2024 |
| Property Address | 6405 PINE WARBLER WAY, SAINT CLOUD, FL 34771-8992 |
| Document Number | 0065361637 |
| Book / Page | 6536 / 1637 |
| Map Reference | MB 33 PG 61 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 2024007936 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,550.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 6405 PINE WARBLER WAY, SAINT CLOUD, FL 34771-8992 |
| Document Number | 0065361641 |
|---|---|
| Date | Jan 19, 2024 |
| Instrument | 6536/1641 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
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 | $3,310.00 (+107.26%) | $228,334 (+226.19%) | $302,800 (+332.57%) Land $65,000 Building $237,800 |
| 2024 | $1,597.00 (+63.46%) | ||
| 2023 | $977.00 | $70,000 Land $70,000 | $70,000 Land $70,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
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