Osceola County property record for 6446 Creation St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2008 |
| Square Footage | 1,040 sqft Heated Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $300,000 (2025) |
| Tax Bill | $3,011.00 (2025) |
| Primary APN | 2625314410000I0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,040 sqft Heated Area |
| Gross Area | 1,576 sqft Gross Area |
| 1st Floor | 1,040 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2008 |
| 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 | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 312 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 224 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 92457 |
|---|---|
| Street Address | 6446 CREATION ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9472 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NEW EDEN ON THE LAKES UNIT A PB 2 PG 026 BLK I LOT 4 |
| 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 | 4 |
| Legal Unit | A |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1049 |
| Census Tract | 43700 |
Source: Osceola County records · APN 2625314410000I0040
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 | 6446 CREATION ST, SAINT CLOUD, FL 34771-9472 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage EXTREME LOANS LLC |
| Nov 18, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 29, 2018 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 18, 2025 · Amount on Record |
| Deed Sale | Mar 18, 2025 · Amount on Record |
| Prior Sale | Nov 18, 2021 · Amount on Record |
| Deed Doc Number | 2025034023 |
| Deed Book / Page | 6756 / 933 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6446 CREATION ST, SAINT CLOUD, FL 34771-9472 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6446 CREATION ST, SAINT CLOUD, FL 34771-9472 |
| Document Number | 0069112183 |
|---|---|
| Date | Jan 22, 2026 |
| Book Page | 6911/2183 |
| Instrument | 2026009656 |
| Name | EXTREME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 18, 2021 |
| Property Address | 6446 CREATION ST, SAINT CLOUD, FL 34771-9472 |
| Document Number | 0060892688 |
| Book / Page | 6089 / 2688 |
| Map Reference | MB 2 PG 26&27 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 2021179432 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,889.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 121 E 13TH ST, SAINT CLOUD, FL 34769-4749 |
| Name | Verified Name |
|---|---|
| Address | 6446 CREATION ST, SAINT CLOUD, FL 34771-9472 |
| Document Number | 0060892689 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 6089/2689 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 29, 2018 |
| Property Address | 6446 CREATION ST, SAINT CLOUD, FL 34771-9472 |
| Document Number | 0054391941 |
| Book / Page | 005439 / 001941 |
| Instrument Date | Nov 21, 2018 |
| Instrument | 174454 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 121 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,011.00 (+8.11%) Homeowner's exemption | $206,761 (+5.99%) | $217,800 (+4.31%) Land $50,000 Building $167,800 |
| 2023 | $2,785.00 (+4.62%) Homeowner's exemption | $195,082 (+3%) | $208,800 (+10.24%) Land $45,000 Building $163,800 |
| 2022 | $2,662.00 Homeowner's exemption | $189,400 Land $40,000 Building $149,400 | $189,400 Land $40,000 Building $149,400 |
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
| 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 Risk | High above 87% of the US · above 79% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 95 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.
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