Osceola County property record for 6422 Apple St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,150 sqft · built 2003 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Aug 2022) |
| Tax Bill | $3,241 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 2625314410000J0090 |
| Primary APN | 2625314410000J0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,150 sqft Heated Area |
| Gross Area | 1,590 sqft |
| 1st Floor Area | 1,150 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 125 ft deep x 74 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92478 |
|---|---|
| Street Address | 6422 APPLE ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK J LOT 9 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 26 |
| Legal Subdivision | NEW EDEN ON LK UN A |
| Legal Tract | 4410 |
| Legal Block | J |
| Legal Lot Number | 9 |
| Legal Unit | A |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 43700 |
Source: Osceola County records · APN 2625314410000J0090
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 6422 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 23, 2020 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2022 · Amount on Record |
| Deed Sale | Aug 29, 2022 · Amount on Record |
| Prior Sale | Apr 23, 2020 · Amount on Record |
| Deed Document Number | 2022131894 |
| Deed Book / Page | 6276 / 2135 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2022 |
| Property Address | 6422 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0062762135 |
| Book / Page | 6276 / 2135 |
| Map Reference | MB 2 PG 26 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022131894 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 978 HERMAN SMITH RD, 978, PIKEVILLE, TN 37367-4424 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6422 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0062762136 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 6276/2136 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6422 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6422 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0061360002 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 6136/2 |
| Instrument | 2022013057 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | May 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 23, 2020 |
| Property Address | 6422 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0057121999 |
| Book / Page | 005712 / 001999 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 55900 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6422 APPLE ST ST CLOUD FL 347719468, ST CLOUD, FL 34771-9468 |
| Document Number | 57122001 |
|---|---|
| Date | Apr 23, 2020 |
| Book Page | 005712/002001 |
| Instrument | 55901 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $3,241.00 (+5.78%) Homeowner's exemption | $223,400 (+3.86%) Land $42,500 Building $180,900 | $223,400 (+3.86%) Land $42,500 Building $180,900 |
| 2023 | $3,064.00 (-5.78%) Homeowner's exemption | $215,100 (+9.91%) Land $38,200 Building $176,900 | $215,100 (+9.91%) Land $38,200 Building $176,900 |
| 2022 | $3,252.00 | $195,700 Land $34,000 Building $161,700 | $195,700 Land $34,000 Building $161,700 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | High above 85% of the US · above 76% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 117 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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