Osceola County property record for 6440 Apple St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,680 sqft · built 1983 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Mar 2018) |
| Tax Bill | $2,978 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 26-25-31-4410-000J-0050 |
| Primary APN | 26-25-31-4410-000J-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 6440 APPLE ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9468 |
| 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 5 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 26 |
| Legal Subdivision | NEW EDEN ON THE LAKES UNIT A |
| Legal Tract | 4410 |
| Legal Block | J |
| Legal Lot Number | 5 |
| 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 26-25-31-4410-000J-0050
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2023 | Deed of Trust, Mortgage · SBA Mortgage PNC BANK NA |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NP INC |
| Mar 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage HAMILTON GROUP FUNDING INC |
| Jan 23, 2017 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2018 · Amount on Record |
| Deed Sale | Mar 20, 2018 · Amount on Record |
| Prior Sale | Jan 23, 2017 · Amount on Record |
| Deed Document Number | 201845025 |
| Deed Book / Page | 5304 / 124 |
| Prior Transfer Date | Mar 09, 2009 |
| Prior Transfer Doc | 0038090191 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0063772475 |
|---|---|
| Date | Mar 29, 2023 |
| Book Page | 6377/2475 |
| Instrument | 2023035052 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 28, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0058551532 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 5855/1532 |
| Instrument | 2020173167 |
| Name | NP INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 20, 2018 |
| Property Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0053040124 |
| Book / Page | 5304 / 0124 |
| Map Reference | MB2 PG26&27 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 2018045025 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200MARYALDN AVE, 200MARYALD, SAINT CLOUD, FL 34769 |
| Name | Verified Name |
|---|---|
| Relationship | Et Ux (and Wife) |
| Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 2018045026 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | 2018045026 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 23, 2017 |
| Property Address | 6440 APPLE ST, SAINT CLOUD, FL 34771-9468 |
| Document Number | 0050892736 |
| Book / Page | 005089 / 002736 |
| Instrument Date | Jan 23, 2017 |
| Instrument | 12296 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2017 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $833.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 200 MARYLAND AVE ST CLOUD FL 347692424, ST CLOUD, FL 34769-2424 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $2,978.00 (+5.75%) Homeowner's exemption | $204,418 (+5.99%) | $238,100 (+4.06%) Land $50,000 Building $188,100 |
| 2024 | $2,816.00 (+2.25%) | ||
| 2023 | $2,754.00 (+4.64%) Homeowner's exemption | $192,871 (+3%) | $228,800 (+10.11%) Land $45,000 Building $183,800 |
| 2022 | $2,632.00 Homeowner's exemption | $187,254 | $207,800 Land $40,000 Building $167,800 |
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
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 224 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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