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6440 Creation St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6440 Creation St, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2012
Square Footage1,635 sqft Living Area
Lot Size9,365 sqft (0.215 acres)
OccupancyOwner Occupied
Last Sale$297,000 (2026)
Tax Bill$2,576.00 (2024)

Property Details

APN / Parcel Number

Primary APN26-25-31-4410-000I-0050
Alternative APNs
  • 2531264410000I0050
  • 92458

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,635 sqft Living Area
Gross Area2,199 sqft Gross Area
1st Floor1,635 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 2012
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,365 sqft (0.215 acres)
Depth X Width125 ft x 75 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area308 sqft Garage
Deck Area196 sqft Deck
Porch Area256 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address6440 CREATION ST
CitySAINT CLOUD
StateFL
Zip34771-9472
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK I LOT 5
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON THE LAKES UNIT A
Legal Tract4410
Legal BlockI
Legal Lot Number5
Legal UnitA
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1049
Census Tract43700

Owner

Source: Osceola County records · APN 26-25-31-4410-000I-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 RecordIndividual Name on File
Mailing Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2021Deed of Trust, Mortgage · Line of Credit
ADDITION FINANCIAL CU
Mar 30, 2026Warranty Deed, Transfer · Conventional Mortgage
CLEAR2MORTGAGE INC
Sep 08, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jun 25, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 30, 2026 · Amount on Record
Deed SaleMar 30, 2026 · Amount on Record
Prior SaleJun 25, 2018 · Amount on Record
Deed Doc Number202641471
Deed Book / Page6945 / 1304
Prior Transfer DateSep 19, 2007
Prior Transfer Doc0035712007
Record RefreshedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472
Transaction TypeMortgage
Record UpdatedApr 23, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472

Mortgage

Document Number0060642033
DateOct 13, 2021
Book Page6064/2033
Instrument2021159522
Lender
NameADDITION FINANCIAL CU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueOct 12, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 30, 2026
Property Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472
Document Number0069451304
Book / Page6945 / 1304
Map ReferenceMB 2 PG 26
Instrument DateMar 24, 2026
Instrument2026041471
Transaction TypeTransfer
Record UpdatedApr 23, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,079.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472

Transferred To (Grantee/Buyer)

NameVerified Name
Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472

Mortgage

Document Number0069451306
DateMar 30, 2026
Instrument6945/1306
Lender
NameCLEAR2MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2041

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472

Mortgage

Document Number0057891302
DateSep 08, 2020
Book Page5789/1302
Instrument2020119202
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 25, 2018
Property Address6440 CREATION ST, SAINT CLOUD, FL 34771-9472
Document Number0053560625
Book / Page5356 / 0625
Map ReferenceMB2 PG26&27
Instrument DateJun 22, 2018
Instrument2018097489
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address6640 CREATION ST, SAINT CLOUD, FL 34771

Mortgage

Document Number2018097490
DateJun 25, 2018
Instrument2018097490
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2048

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$2,730.00 (+5.98%) Homeowner's exemption$186,503 (+5.99%)$271,500 (+3.9%) Land $50,000 Building $221,500
2024$2,576.00 (+2.3%)
2023$2,518.00 (+4.79%) Homeowner's exemption$175,968 (+3%)$261,300 (+9.88%) Land $45,000 Building $216,300
2022$2,403.00 Homeowner's exemption$170,843$237,800 Land $40,000 Building $197,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskHigh
above 87% of the US · above 79% of Florida
Wildfire LikelihoodAbout 1 in 95 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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