641 Preston Cove Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 641 Preston Cove Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,676 sqft · built 2024
Lot Size	0.06 acres (2,613 sqft)
Owner	Individual Name on File
Last Sale	$329,990 (Jul 2024)
Tax Bill	$6,099 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-25-31-4735-0001-2300`

Property Details

APN / Parcel Number

Primary APN	`22-25-31-4735-0001-2300`
Alternative APN	`253122473500012300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,676 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	700 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,613 sqft (0.06 acres)
Garage Type	Attached
Garage Area	252 sqft
Porch	Finished/Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	641 PRESTON COVE DR
City	SAINT CLOUD
State	FL
Zip	34771-8185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESTON COVE PH 1 & 2 PB 33 PGS 80-88 LOT 230
Legal Subdivision	PRESTON COVE PHASE 1 2
Legal Lot Number	230
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

641 Preston Cove Dr is owned and occupied by an individual who bought it in July 2024.

Source: Osceola County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	641 PRESTON COVE DR, SAINT CLOUD, FL 34771-8185
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Deed Document Number	202486461
Deed Book / Page	6626 / 1834
Record Updated	Jun 8, 2026

July 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2024
Property Address	641 PRESTON COVE DR, SAINT CLOUD, FL 34771-8185
Document Number	0066261834
Book / Page	6626 / 1834
Map Reference	MB 33 PG 80-88
Instrument Date	Jun 28, 2024
Instrument	2024086461
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 PRESTON COVE DR, SAINT CLOUD, FL 34771-8185

Mortgage

Document Number	2024086462
Date	Jul 1, 2024
Instrument	2024086462

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 641 Preston Cove Dr was $6,099, up 113.3% from the year before.

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	$6,099.00 (+113.25%)	$287,700 Land $45,000 Building $242,700	$287,700 Land $45,000 Building $242,700
2024	$2,860.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 641 Preston Cove Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File 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

Wildfire risk around 641 Preston Cove Dr is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Fiber	1,000 / 1,000