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6446 Apple St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6446 Apple St, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2003
Square Footage1,150 sqft Living Area
Lot Size9,365 sqft (0.215 acres)
OccupancyOwner Occupied
Last Sale$101,900 (2014)
Tax Bill$1,487.00 (2024)

Property Details

APN / Parcel Number

Primary APN26-25-31-4410-000J-0040
Alternative APNs
  • 2531264410000J0040
  • 92473

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,150 sqft Living Area
Gross Area1,590 sqft Gross Area
1st Floor1,150 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,365 sqft (0.215 acres)
Depth X Width112 ft x 75 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area400 sqft Garage
Patio Area180 sqft Patio
Porch Area40 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address6446 APPLE ST
CitySAINT CLOUD
StateFL
Zip34771-9468
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNEW EDEN ON THE LAKES UNIT A PB 2 PG 026 BLK J LOT 4 PB 2 PG 026
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON THE LAKES UNIT A
Legal Tract4410
Legal BlockJ
Legal Lot Number4
Legal UnitA
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1044
Census Tract43700

Owner

Source: Osceola County records · APN 26-25-31-4410-000J-0040

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 Address6446 APPLE ST, SAINT CLOUD, FL 34771-9468
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
VANDERBILT MORTGAGE & FINANCE INC
Jun 30, 2017Deed of Trust, Mortgage · Conventional Mortgage
METROPLEX MORTGAGE SERVICES INC
Mar 25, 2020Deed of Trust, Mortgage · Conventional Mortgage
NASA FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 06, 2014 · Amount on Record
Deed SaleFeb 06, 2014 · Amount on Record
Prior SaleAug 16, 2010 · Amount on Record
Deed Doc Number201417449
Deed Book / Page4566 / 2485
Prior Transfer DateJul 14, 2006
Prior Transfer Doc0032481891
Record RefreshedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6446 APPLE ST, SAINT CLOUD, FL 34771-9468
Transaction TypeMortgage
Record UpdatedJan 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address6446 APPLE ST, SAINT CLOUD, FL 34771-9468

Mortgage

Document Number0060941101
DateNov 24, 2021
Book Page6094/1101
Instrument2021182851
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
AddressATLANTA, GA 30361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6446 APPLE ST, SAINT CLOUD, FL 34771-9468
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051722859
DateJun 30, 2017
Book Page5172/2859
Instrument2017096331
Lender
NameMETROPLEX MORTGAGE SERVICES INC
TypeMortgage Company
AddressTAMPA, FL 33614
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2047

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6446 APPLE ST, SAINT CLOUD, FL 34771-9468
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056971459
DateMar 25, 2020
Book Page5697/1459
Instrument2020041979
Lender
NameNASA FCU
TypeCredit Union
AddressBOWIE, MD 20716
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

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$1,605.00 (+7.94%) Homeowner's exemption$105,291 (+5.99%)$222,500 (+4.17%) Land $50,000 Building $172,500
2024$1,487.00 (+2.69%)
2023$1,448.00 (+6.24%) Homeowner's exemption$99,344 (+3%)$213,600 (+9.99%) Land $45,000 Building $168,600
2022$1,363.00 Homeowner's exemption$96,451$194,200 Land $40,000 Building $154,200

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 HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

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; lenders make the official flood determination.

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