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6435 Adam St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6435 Adam St, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,410 sqft · built 1988
Lot Size0.215 acres (9,365 sqft)
Owner2 Individual Names on File
Last Sale$59,000 (Apr 2016)
Tax Bill$3,130 (2025)
Deeds & MortgagesDec 2021 Mortgage
Jul 2019 Mortgage
Flood ZoneZone AE (high risk)
APN26-25-31-4410-000J-0130

Property Details

APN / Parcel Number

Primary APN26-25-31-4410-000J-0130
Alternative APNs
  • 2531264410000J0130
  • 92483

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,410 sqft Living Area
Gross Area1,893 sqft
1st Floor Area1,410 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleConventional
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
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces
Patio Area288 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address6435 ADAM ST
CitySAINT CLOUD
StateFL
Zip34771-9495
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK J LOT 13
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON THE LAKES UNIT A
Legal Tract4410
Legal BlockJ
Legal Lot Number13
Legal UnitA
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1044
Census Tract43700

Owner

Source: Osceola County records · APN 26-25-31-4410-000J-0130

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address6435 ADAM ST, SAINT CLOUD, FL 34771-9495
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Jul 05, 2019Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 26, 2016 · Amount on Record
Deed SaleApr 26, 2016 · Amount on Record
Prior SaleAug 22, 2008 · Amount on Record
Deed Document Number201661966
Deed Book / Page4949 / 363
Prior Transfer DateApr 11, 2016
Prior Transfer Doc0049840589
Record UpdatedJun 08, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6435 ADAM ST, SAINT CLOUD, FL 34771-9495
Transaction TypeMortgage
Record UpdatedDec 24, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address6435 ADAM ST, SAINT CLOUD, FL 34771-9495

Mortgage

Document Number0061051879
DateDec 10, 2021
Book Page6105/1879
Instrument2021191021
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueJan 01, 2042

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6435 ADAM ST, SAINT CLOUD, FL 34771-9495
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055522262
DateJul 05, 2019
Book Page5552/2262
Instrument2019086805
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressMID FLORIDA, FL 32745
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJul 01, 2039

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,130.00 (+5.64%) Homeowner's exemption$215,385 (+5.99%)$225,900 (+4.05%) Land $50,000 Building $175,900
2024$2,963.00 (+2.24%)
2023$2,898.00 (+4.55%) Homeowner's exemption$203,219 (+3%)$217,100 (+10.04%) Land $45,000 Building $172,100
2022$2,772.00 Homeowner's exemption$197,300 Land $40,000 Building $157,300$197,300 Land $40,000 Building $157,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation66.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire RiskHigh
above 85% of the US · above 76% of Florida
Wildfire LikelihoodAbout 1 in 117 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 224 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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