6429 Adam St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6429 Adam St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 920 sqft · built 1988
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Owner Names on Record
Last Sale	$129,000 (Jan 2005)
Tax Bill	$1,185 (2025)
Deeds & Mortgages	Mar 2017 Loan Modification Mar 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`2625314410000J0120`

Property Details

APN / Parcel Number

Primary APN	`2625314410000J0120`
Alternative APN	`92482`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	920 sqft Heated Area
Gross Area	1,431 sqft
1st Floor Area	920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	276 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	235 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92482
Street Address	6429 ADAM ST
City	SAINT CLOUD
State	FL
Zip	34771-9495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	NEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK J LOT 12
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	12
Legal Unit	A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1044
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	6429 ADAM ST, SAINT CLOUD, FL 34771-9495
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2017	Loan Modification, Mortgage WELLS FARGO BK
Mar 27, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2005 · Amount on Record
Deed Sale	Jan 31, 2005 · Amount on Record
Prior Sale	Mar 12, 2002 · Amount on Record
Deed Document Number	2005025183
Deed Book / Page	2692 / 2415
Record Updated	Jun 8, 2026

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6429 ADAM ST, SAINT CLOUD, FL 34771-9495
Document Number	0051850268
Book / Page	005185 / 000268
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6429 ADAM ST ST CLOUD FL 347719495, ST CLOUD, FL 34771-9495

Mortgage

Document Number	0051850268
Date	Jul 27, 2017
Book Page	005185/000268
Instrument	108616

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6429 ADAM ST, SAINT CLOUD, FL 34771-9495
Document Number	0051751005
Book / Page	005175 / 001005
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Sep 20, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6429 ADAM ST ST CLOUD FL 347719495, ST CLOUD, FL 34771-9495

Mortgage

Document Number	0051751005
Date	Jul 6, 2017
Book Page	005175/001005
Instrument	98486

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,185.00 (+9.93%) Homeowner's exemption	$73,776 (+5.99%)	$187,800 (+4.45%) Land $50,000 Building $137,800
2023	$1,078.00 (+5.48%) Homeowner's exemption	$69,609 (+3%)	$179,800 (+10.1%) Land $45,000 Building $134,800
2022	$1,022.00 Homeowner's exemption	$67,582	$163,300 Land $40,000 Building $123,300

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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