6405 Warren Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6405 Warren Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,302 sqft · built 2005
Lot Size	0.503 acres (21,911 sqft)
Owner	Individual Name on Record
Last Sale	$323,000 (Feb 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95196`

Property Details

APN / Parcel Number

Primary APN	`95196`
Alternative APN	`022631443200010030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,302 sqft Heated Area
Gross Area	3,347 sqft
1st Floor Area	2,302 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,911 sqft (0.503 acres)
Garage Type	Finished
Garage Area	697 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	348 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95196
Street Address	6405 WARREN CT
City	SAINT CLOUD
State	FL
Zip	34771-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	NORTHSHORE-STAGE ONE PB 10 PG 154-156 LOT 3
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4432
Legal Block	1
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

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
Co-owner	Co-owner on Record
Mailing Address	6405 WARREN CT, SAINT CLOUD, FL 34771-8815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Intrafamily Transfer, Transfer
Feb 19, 2020	Warranty Deed, Transfer · VA Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	Feb 19, 2020 · Amount on Record
Deed Document Number	0056770799
Deed Book / Page	5677 / 799
Last Transfer Date	Sep 12, 2023
Transfer Doc	0064721111
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 12, 2023
Property Address	6405 WARREN CT, SAINT CLOUD, FL 34771-8815
Document Number	0064721111
Book / Page	6472 / 1111
Map Reference	MB 10 PG 154-156
Instrument Date	Jul 31, 2023
Instrument	2023119671
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6405 WARREN CT, SAINT CLOUD, FL 34771-8815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 WARREN CT, SAINT CLOUD, FL 34771-8815

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 19, 2020
Property Address	6405 WARREN CT, SAINT CLOUD, FL 34771-8815
Document Number	0056770799
Book / Page	5677 / 799
Map Reference	MB 10 PG 154-156
Instrument Date	Jan 30, 2020
Instrument	2020024947
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,261.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9155 LOBLOLLY PINE PL, 9155, LAKELAND, FL 33810-4101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 WARREN CT, SAINT CLOUD, FL 34771-8815

Mortgage

Document Number	0056770801
Date	Feb 19, 2020
Instrument	5677/0801

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$326,734 (+5.99%)	$406,800 (+1.57%) Land $65,000 Building $341,800
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$308,278 (+4.29%)	$400,500 (+27.75%) Land $65,000 Building $335,500
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$295,610	$313,500 Land $60,000 Building $253,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% 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	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

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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