6445 Apple St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6445 Apple St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2017
Square Footage	1,387 sqft Heated Area
Lot Size	9,583 sqft (0.219 acres)
Occupancy	Owner Occupied
Last Sale	$269,000 (2020)
Tax Bill	$3,594.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`2625314410000I0130`
Alternative APN	`92466`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,387 sqft Heated Area
Gross Area	2,167 sqft Gross Area
1st Floor	1,387 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,583 sqft (0.219 acres)
Depth X Width	125 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	480 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	300 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	92466
Street Address	6445 APPLE ST
City	SAINT CLOUD
State	FL
Zip	34771-9469
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK I LOT 13
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON LK UN A
Legal Tract	4410
Legal Block	1
Legal Lot Number	13
Legal Unit	A
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1049
Census Tract	43700

Owner

Source: Osceola County records · APN 2625314410000I0130

Assessment roll updated July 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	6445 APPLE ST, SAINT CLOUD, FL 34771-9469
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2020	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Aug 28, 2020	Deed of Trust, Mortgage MELISSA CHAPPELL
Jul 18, 2017	Warranty Deed, Transfer BOSTON NATL TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2020 · Amount on Record
Deed Sale	Dec 01, 2020 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Doc Number	0058422151
Deed Book / Page	5842 / 2151
Record Refreshed	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 01, 2020
Property Address	6445 APPLE ST, SAINT CLOUD, FL 34771-9469
Document Number	0058422151
Book / Page	5842 / 2151
Map Reference	MB 2 PG 26
Instrument Date	Dec 01, 2020
Instrument	2020163261
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 EDEN DR, 495, SAINT CLOUD, FL 34771-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 APPLE ST, SAINT CLOUD, FL 34771-9469

Mortgage

Document Number	0058422152
Date	Dec 01, 2020
Instrument	5842/2152

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6445 APPLE ST, SAINT CLOUD, FL 34771-9469
Document Number	0057851855
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6445 APPLE ST ST CLOUD FL 347719469, ST CLOUD, FL 34771-9469

Mortgage

Document Number	0057851855
Date	Sep 01, 2020
Book Page	005785/001855
Instrument	116084

Lender

Name	MELISSA CHAPPELL
Address	2880 FRONTIER DR, KISSIMMEE, FL 34744-9300

Agreement

Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2017
Property Address	6445 APPLE ST, SAINT CLOUD, FL 34771-9469
Document Number	0051802021
Book / Page	5180 / 2021
Map Reference	MB2 PG26
Instrument Date	Jun 30, 2017
Instrument	2017103905
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	BOSTON NATL TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,392.30
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 APPLE ST, SAINT CLOUD, FL 34771-9469

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,594.00 (+7.64%) Homeowner's exemption	$248,832 (+5.99%)	$288,400 (+3.55%) Land $50,000 Building $238,400
2023	$3,339.00 (+4.31%) Homeowner's exemption	$234,777 (+3%)	$278,500 (+10.17%) Land $45,000 Building $233,500
2022	$3,201.00 Homeowner's exemption	$227,939	$252,800 Land $40,000 Building $212,800

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	High above 85% of the US · above 76% of Florida
Wildfire Likelihood	About 1 in 117 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

6445 Apple St, Saint Cloud, FL 34771 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Apple St

Nearby Streets

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