6445 Topsy Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6445 Topsy Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 910 sqft · built 1993
Lot Size	0.286 acres (12,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Jan 2010)
Tax Bill	$956 (2025)
Deeds & Mortgages	Sep 2025 Transfer Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-26-31-5235-0001-0330`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-5235-0001-0330`
Alternative APNs	`263102523500010330` `95579`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	910 sqft Living Area
Gross Area	1,030 sqft
1st Floor Area	910 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,458 sqft (0.286 acres)
Lot Dimensions	126 ft deep x 113 ft wide
Porch	Florida Room
Porch Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6445 TOPSY TRL
City	SAINT CLOUD
State	FL
Zip	34771-9463
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	ORMH
Legal Description	TOPS TERRACE LOT PB 2 PG 041 LOT 33 & 1/54 INT LOTS A&C
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	TOPS TERRACE
Legal Tract	5235
Legal Block	330
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

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 Record	2 Individual Names on Record
Mailing Address	18951 66TH ST, LIVE OAK, FL 32060-7880
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Intrafamily Transfer, Transfer
Aug 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2010 · Amount on Record
Deed Sale	Jan 6, 2010 · Amount on Record
Deed Document Number	20101453
Deed Book / Page	3934 / 586
Last Transfer Date	Aug 7, 2018
Transfer Doc	0053831535
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2025
Property Address	6445 TOPSY TRL, SAINT CLOUD, FL 34771-9463
Document Number	0068461541
Book / Page	6846 / 1541
Map Reference	MB 2 PG 41
Instrument Date	Sep 9, 2025
Instrument	2025111693
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6445 TOPSY TRL, SAINT CLOUD, FL 34771-9463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18951 66TH ST, LIVE OAK, FL 32060-7880

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 13, 2018
Property Address	6445 TOPSY TRL, SAINT CLOUD, FL 34771-9463
Document Number	0053831535
Book / Page	005383 / 001535
Instrument Date	Jul 31, 2018
Instrument	122794
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12903 86TH TER LIVE OAK FL 320608895, LIVE OAK, FL 32060-8895

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$956.00 (+13.95%)	$49,419 (+5.98%)	$115,600 (+27.59%) Land $55,000 Building $60,600
2024	$839.00 (+2.69%)
2023	$817.00 (+5.42%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$46,629 (+3%)	$90,600 (+20.64%) Land $35,000 Building $55,600
2022	$775.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$45,271	$75,100 Land $35,000 Building $40,100

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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 Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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