Osceola County property record for 6410 Topsy Trl, Saint Cloud, FL 34771
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 920 sqft · built 1974 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Jan 2023) |
| Tax Bill | $2,106 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Jun 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-31-5235-0001-0520 |
| Primary APN | 02-26-31-5235-0001-0520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 920 sqft Living Area |
| Gross Area | 1,220 sqft |
| 1st Floor Area | 920 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Porch | Enclosed/Finished Porch |
|---|---|
| Porch Area | 487 sqft |
| Shed | 1 Shed |
| Shed Area | 357 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 6410 TOPSY TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9462 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | ORMH |
| Legal Description | TOPS TERRACE PB 2 PG 041 LOT 52 & 1/54 INT LOTS A & C |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | TOPS TERRACE |
| Legal Tract | 5235 |
| Legal Block | 520 |
| Legal Lot Number | 52 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
6410 Topsy Trl, a mobile home, is owned and occupied by an individual who acquired it in June 2025.
Source: Osceola County records, as of August 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Re-recorded Document NONE LISTED ON DOCUMENT |
| Jun 16, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 24, 2023 | Warranty Deed, Transfer · Conventional Mortgage 21ST MORTGAGE CORP |
| Nov 27, 2018 | Warranty Deed, Transfer CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC |
| Apr 3, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2023 · Amount on File |
| Deed Sale | Jan 24, 2023 · Amount on File |
| Prior Sale | Nov 27, 2018 · Amount on File |
| Deed Document Number | 20239098 |
| Deed Book / Page | 6348 / 1304 |
| Last Transfer Date | Jun 6, 2025 |
| Transfer Doc | 0000079361 |
| Record Updated | Oct 29, 2026 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 18, 2026 |
| Property Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Number | 0000107567 |
| Book / Page | 7021 / 1796 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 2026107567 |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2026 |
| Property Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Number | 0000079361 |
| Book / Page | 6989 / 600 |
| Instrument Date | Jun 6, 2025 |
| Instrument | 202679361 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 24, 2023 |
| Property Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Number | 0063481304 |
| Book / Page | 6348 / 1304 |
| Map Reference | MB 2 PG 41 |
| Instrument Date | Jan 23, 2023 |
| Instrument | 2023009098 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2023 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6395 TOPSY TRL, SAINT CLOUD, FL 34771-9400 |
| Name | Verified Name |
|---|---|
| Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Number | 0063481306 |
|---|---|
| Date | Jan 24, 2023 |
| Instrument | 6348/1306 |
| Name | 21ST MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Feb 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 27, 2018 |
| Property Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Number | 0054380974 |
| Book / Page | 005438 / 000974 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 172996 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2018 |
| Title Company | CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $140.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1250 E LAKE SHORE BLVD KISSIMMEE FL 347445416, KISSIMMEE, FL 34744-5416 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 3, 2018 |
| Property Address | 6410 TOPSY TRL, SAINT CLOUD, FL 34771-9462 |
| Document Number | 0053102012 |
| Book / Page | 005310 / 002012 |
| Instrument Date | Mar 27, 2018 |
| Instrument | 52254 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1860 BROADSMORE DR ALGONQUIN IL 601026612, ALGONQUIN, IL 60102-6612 |
The 2025 property tax bill for 6410 Topsy Trl was $2,106 with a homeowner's exemption.
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 | $2,106.00 Homeowner's exemption | $133,900 Land $55,000 Building $78,900 | $133,900 Land $55,000 Building $78,900 |
| 2023 | $1,915.00 (+13.18%) | $98,000 (+21.89%) Land $35,000 Building $63,000 | $98,000 (+21.89%) Land $35,000 Building $63,000 |
| 2022 | $1,692.00 | $80,400 Land $35,000 Building $45,400 | $80,400 Land $35,000 Building $45,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 6410 Topsy Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 6410 Topsy Trl is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | None beyond ember reach |
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 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 |
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