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6430 Apple St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6430 Apple St, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,344 sqft · built 1985
Lot Size0.215 acres (9,365 sqft)
OwnerIndividual Name on Record
Last Sale$136,000 (Jan 2001)
Tax Bill$1,261 (2025)
Deeds & MortgagesNov 2022 Mortgage
Flood ZoneZone X (moderate risk)
APN26-25-31-4410-000J-0070

Property Details

APN / Parcel Number

Primary APN26-25-31-4410-000J-0070
Alternative APNs
  • 2531264410000J0070
  • 92476

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,344 sqft Living Area
Gross Area1,584 sqft
1st Floor Area1,344 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,365 sqft (0.215 acres)
Lot Dimensions125 ft deep x 75 ft wide

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area240 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address6430 APPLE ST
CitySAINT CLOUD
StateFL
Zip34771-9468
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS3
Legal DescriptionNEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK J LOT 7
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON THE LAKES UNIT A
Legal Tract4410
Legal BlockJ
Legal Lot Number7
Legal UnitA
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1044
Census Tract43700

Owner

Source: Osceola County records, 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 RecordIndividual Name on Record
Mailing Address6430 APPLE ST, SAINT CLOUD, FL 34771-9468
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 9, 2001 · Amount on Record
Deed SaleJan 9, 2001 · Amount on Record
Deed Book / Page1822 / 1855
Last Transfer DateSep 1, 2005
Transfer Doc0029210167
Record UpdatedJun 8, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6430 APPLE ST, SAINT CLOUD, FL 34771-9468
Transaction TypeMortgage
Record UpdatedDec 13, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address6430 APPLE ST, SAINT CLOUD, FL 34771-9468

Mortgage

Document Number0063192362
DateNov 23, 2022
Book Page6319/2362
Instrument2022169911
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressKISSIMMEE, FL 34743
Agreement
AmountAmount Recorded
Term119 Months
DueOct 25, 2032

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,261.00 (+9.27%) Homeowner's exemption$80,482 (+5.99%)$204,600 (+4.44%) Land $50,000 Building $154,600
2024$1,154.00 (+2.94%)
2023$1,121.00 (+6.16%) Homeowner's exemption$75,936 (+3%)$195,900 (+10.06%) Land $45,000 Building $150,900
2022$1,056.00 Homeowner's exemption$73,725$178,000 Land $40,000 Building $138,000

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskHigh
above 84% of the US · above 75% of Florida
Wildfire Likelihood0.9% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTWA SUNBRIDGE WATER TREATMENT PLANT
public/private · serves 542 people · EPA ID FL3494439
Water SourceGroundwater
Last State InspectionJan 2025
Also Mapped HereTOHO WATER AUTHORITY-POINCIANA SYSTEM
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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