Osceola County property record for 643 Eagle Pointe S, Kissimmee, FL 34746
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,252 sqft · built 2000 |
| Lot Size | 0.126 acres (5,488 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Dec 2016) |
| Tax Bill | $2,213 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-25-28-1373-0001-2870 |
| Primary APN | 25-25-28-1373-0001-2870 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 1,791 sqft |
| 1st Floor Area | 1,252 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,488 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 198 sqft |
| Porch | Slab |
| Porch Area | 139 sqft |
| Deck Area | 658 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 643 EAGLE POINTE S |
|---|---|
| City | KISSIMMEE |
| State | FL |
| Zip | 34746-6707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | KRPU |
| Legal Description | EAGLE POINTE PHASE 4 PB 11 PGS 119-120 LOT 287 |
| Legal Range | 28E |
| Legal Township | 25S |
| Legal Section | 25 |
| Legal Subdivision | EAGLE POINTE PH 4 |
| Legal Phase | 4 |
| Legal Tract | 1373 |
| Legal Block | 2870 |
| Legal Lot Number | 287 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | KISSIMMEE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 40901 |
643 Eagle Pointe S is owned and occupied by an individual who bought it in December 2016.
Source: Osceola County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 643 EAGLE POINTE S, KISSIMMEE, FL 34746-6707 |
| 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 |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 12, 2018 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2016 · Amount on File |
| Deed Sale | Dec 21, 2016 · Amount on File |
| Prior Sale | Apr 9, 2003 · Amount on File |
| Deed Document Number | 2016188288 |
| Deed Book / Page | 5074 / 1473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 643 EAGLE POINTE S, KISSIMMEE, FL 34746-6707 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 643 EAGLE POINTE S, KISSIMMEE, FL 34746-6707 |
| Document Number | 0064762252 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 6476/2252 |
| Instrument | 2023123721 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Aug 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 643 EAGLE POINTE S, KISSIMMEE, FL 34746-6707 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 643 EAGLE POINTE S, KISSIMMEE, FL 34746-6707 |
| Document Number | 0062512327 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | 6251/2327 |
| Instrument | 2022109165 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Aug 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 643 EAGLE POINTE S, KISSIMMEE, FL 34746-6707 |
| Document Number | 0053971024 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 643 EAGLE POINTE S KISSIMMEE FL 347466707, KISSIMMEE, FL 34746-6707 |
| Document Number | 0053971024 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 005397/001024 |
| Instrument | 135062 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2048 |
The 2025 property tax bill for 643 Eagle Pointe S was $2,213 with a homeowner's exemption, up 16.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | Kissimmee City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,213.00 (+16.72%) Homeowner's exemption | $155,687 | $298,500 Land $85,000 Building $213,500 |
| 2024 | $1,896.00 (+3.1%) | ||
| 2023 | $1,839.00 (+4.19%) Homeowner's exemption | $146,894 (+3%) | $278,000 (+6.39%) Land $60,000 Building $218,000 |
| 2022 | $1,765.00 Homeowner's exemption | $142,616 | $261,300 Land $40,000 Building $221,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Eagle Pointe S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 File median of 27 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 643 Eagle Pointe S is moderate, ranking above 66% 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 | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 224 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 / 1,000 |
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