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641 Rebecca Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 641 Rebecca Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,379 sqft · built 1988
Lot Size0.335 acres (14,636 sqft)
OwnerIndividual on Record
Last Sale$170,500 (Aug 2015)
Tax Bill$2,438 (2025)
Deeds & MortgagesOct 2023 Mortgage
Jul 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN1326300660000200A0

Property Details

APN / Parcel Number

Primary APN1326300660000200A0
Alternative APN
  • 84694

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,379 sqft Heated Area
Gross Area2,142 sqft
1st Floor Area1,379 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1993
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,636 sqft (0.335 acres)
Lot Dimensions120 ft deep x 123 ft wide
Garage TypeFinished
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area235 sqft
Deck Area312 sqft
FenceFence
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number84694
Street Address641 REBECCA DR
CitySAINT CLOUD
StateFL
Zip34769-5721
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionSO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 2 LOT A ORD 86-FF
Legal Range30E
Legal Township26S
Legal Section13
Legal SubdivisionS MICH ACRES REPLAT
Legal Tract660
Legal Block2
Legal Lot NumberA
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2040
Census Tract43303

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of RecordIndividual on Record
Co-ownerCo-owner on Record
Mailing Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 13, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 10, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
May 28, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2015 · Amount on Record
Deed SaleAug 3, 2015 · Amount on Record
Deed Document Number2015114611
Deed Book / Page4820 / 0129
Record UpdatedJun 8, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721
Transaction TypeMortgage
Record UpdatedNov 14, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721

Mortgage

Document Number0064921969
DateOct 20, 2023
Book Page6492/1969
Instrument2023138143
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term276 Months
DueOct 1, 2046

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721
Transaction TypeMortgage
Record UpdatedJul 29, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721

Mortgage

Document Number0062501489
DateJul 13, 2022
Book Page6250/1489
Instrument2022108072
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term291 Months
DueOct 1, 2046

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721
Transaction TypeMortgage
Record UpdatedMar 29, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721

Mortgage

Document Number0061690876
DateMar 10, 2022
Book Page6169/876
Instrument2022039318
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term295 Months
DueOct 1, 2046

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721
Transaction TypeMortgage
Record UpdatedJun 15, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 REBECCA DR, SAINT CLOUD, FL 34769-5721

Mortgage

Document Number0059682437
DateMay 28, 2021
Book Page5968/2437
Instrument2021083376
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term305 Months
DueOct 1, 2046

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,438.00 (+6.74%) Homeowner's exemption$179,088 (+5.99%)$304,600 (+3.57%) Land $60,000 Building $244,600
2023$2,284.00 (+3.96%) Homeowner's exemption$168,972 (+3%)$294,100 (+22.44%) Land $55,000 Building $239,100
2022$2,197.00 Homeowner's exemption$164,051$240,200 Land $50,000 Building $190,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 in force

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 RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 94 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 50
CenturyLink
DSL		140 / 20

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