Osceola County property record for 642 David Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,211 sqft · built 1990 |
| Lot Size | 0.336 acres (14,636 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Aug 2018) |
| Tax Bill | $2,628 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-26-30-0660-0002-00T0 |
| Primary APN | 13-26-30-0660-0002-00T0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,211 sqft Living Area |
| Gross Area | 1,944 sqft |
| 1st Floor Area | 1,211 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,636 sqft (0.336 acres) |
| Lot Dimensions | 123 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 420 sqft |
| Porch | Slab |
| Porch Area | 404 sqft |
| Deck Area | 444 sqft |
| Patio Area | 396 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 642 DAVID DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 2 LOT T ORD 86-FF |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | SOUTH MICHIGAN ACRES REPLAT |
| Legal Tract | 660 |
| Legal Block | 2 |
| Legal Lot Number | T |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 43303 |
Source: Osceola County assessment roll, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 642 DAVID DR, SAINT CLOUD, FL 34769-5719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Aug 19, 2019 | Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC |
| Aug 21, 2018 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 21, 2018 · Amount on Record |
| Deed Sale | Aug 21, 2018 · Amount on Record |
| Deed Document Number | 2018127623 |
| Deed Book / Page | 5388 / 2472 |
| Prior Transfer Date | Aug 14, 2018 |
| Prior Transfer Doc | 0053882472 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 642 DAVID DR, SAINT CLOUD, FL 34769-5719 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 642 DAVID DR, SAINT CLOUD, FL 34769-5719 |
| Document Number | 0068802661 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 6880/2661 |
| Instrument | 2025141218 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 642 DAVID DR, SAINT CLOUD, FL 34769-5719 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055752554 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 5575/2554 |
| Instrument | 2019107260 |
| Name | PRIME CHOICE FUNDING INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 21, 2018 |
| Property Address | 642 DAVID DR, SAINT CLOUD, FL 34769-5719 |
| Document Number | 0053882472 |
| Book / Page | 5388 / 2472 |
| Map Reference | MB2 PG42 |
| Instrument Date | Aug 14, 2018 |
| Instrument | 2018127623 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 642 DAVID DR, SAINT CLOUD, FL 34769-5719 |
| Document Number | 2018127624 |
|---|---|
| Date | Aug 21, 2018 |
| Instrument | 2018127624 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,628.00 (-53.29%) Homeowner's exemption | $189,719 (+5.99%) | $275,700 (+4.39%) Land $60,000 Building $215,700 |
| 2024 | $5,626.00 (+1.28%) | ||
| 2023 | $5,555.00 (+134.19%) Homeowner's exemption | $179,003 (+3%) | $264,100 (+22.16%) Land $55,000 Building $209,100 |
| 2022 | $2,372.00 Homeowner's exemption | $173,790 | $216,200 Land $50,000 Building $166,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Lumen Technologies DSL | 140 / 20 |
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