Osceola County property record for 641 Clay Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,211 sqft Heated Area |
| Lot Size | 14,810 sqft (0.339 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $130,000 (2005) |
| Tax Bill | $1,291.00 (2025) |
| Primary APN | 1326300660000100A0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,211 sqft Heated Area |
| Gross Area | 2,772 sqft Gross Area |
| 1st Floor | 1,211 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,810 sqft (0.339 acres) |
| Depth X Width | 92 ft x 119 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 441 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 592 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 84675 |
|---|---|
| Street Address | 641 CLAY DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5717 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 W 1/2 OF LOT A AND SO MICH ACRES IN CITY PB 1 PG 421 W 1/2 OF N 25 FT OF LOT 2 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | S MICH ACRES REPLAT |
| Legal Tract | 660 |
| Legal Block | 1,A |
| Legal Lot Number | 2A |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 43303 |
Source: Osceola County records · APN 1326300660000100A0
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 641 CLAY DR, SAINT CLOUD, FL 34769-5717 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Feb 17, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 15, 2005 · Amount on Record |
| Deed Sale | Mar 15, 2005 · Amount on Record |
| Deed Doc Number | 2005063544 |
| Deed Book / Page | 2728 / 0936 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 641 CLAY DR, SAINT CLOUD, FL 34769-5717 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 641 CLAY DR, SAINT CLOUD, FL 34769-5717 |
| Document Number | 0063591759 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 6359/1759 |
| Instrument | 2023019330 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 30, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 641 CLAY DR, SAINT CLOUD, FL 34769-5717 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0059360273 |
|---|---|
| Date | Apr 15, 2021 |
| Book Page | 5936/273 |
| Instrument | 2021056883 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2036 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,291.00 (+44.25%) Homeowner's exemption | $115,017 (+25.23%) | $281,100 (+10.5%) Land $60,000 Building $221,100 |
| 2023 | $895.00 (+5.67%) Homeowner's exemption | $91,844 (+3%) | $254,400 (+23.98%) Land $55,000 Building $199,400 |
| 2022 | $847.00 Homeowner's exemption | $89,169 | $205,200 Land $50,000 Building $155,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 463 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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