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6449 Adam St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6449 Adam St, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,651 sqft · built 1993
Lot Size0.215 acres (9,365 sqft)
OwnerIndividual Name on File
Last Sale$219,000 (Dec 2018)
Tax Bill$4,502 (2025)
Deeds & MortgagesMar 2026 Line of Credit
Dec 2022 Second Mortgage
+ 4 more
Flood ZoneZone X (moderate risk)
APN26-25-31-4410-000J-0160

Property Details

APN / Parcel Number

Primary APN26-25-31-4410-000J-0160
Alternative APNs
  • 2531264410000J0160
  • 92486

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,651 sqft Living Area
Gross Area2,086 sqft
1st Floor Area1,259 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2012
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,365 sqft (0.215 acres)
Lot Dimensions125 ft deep x 75 ft wide
Garage TypeAttached
Garage Area380 sqft
Parking Spaces1 Parking Space
PorchFlorida Room
Porch Area567 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address6449 ADAM ST
CitySAINT CLOUD
StateFL
Zip34771-9495
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK J LOT 16
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON THE LAKES UNIT A
Legal Tract4410
Legal BlockJ
Legal Lot Number16
Legal UnitA
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1044
Census Tract43700

Owner

Source: Osceola County records · APN 26-25-31-4410-000J-0160

Assessment roll updated November 26, 2025 · Last verified August 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 Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 09, 2026Deed of Trust, Mortgage · Line of Credit
TAMPA BAY FCU
Dec 16, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
TAMPA BAY FCU
Nov 19, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Dec 13, 2018Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Nov 01, 2017Grant Deed, Transfer
Mar 07, 2017Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 13, 2018 · Amount on Record
Deed SaleDec 13, 2018 · Amount on Record
Prior SaleNov 01, 2017 · Amount on Record
Deed Document Number2018182838
Deed Book / Page5449 / 720
Last Transfer DateNov 17, 2021
Transfer Doc0060910202
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
Transaction TypeMortgage
Record UpdatedMar 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495

Mortgage

Document Number0069322997
DateMar 09, 2026
Book Page6932/2997
Instrument2026029719
Lender
NameTAMPA BAY FCU
TypeCredit Union
AddressTAMPA, FL 33603
Agreement
TypeLine of Credit
AmountAmount Recorded
Term179 Months
DueFeb 20, 2041
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
Transaction TypeMortgage
Record UpdatedJan 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495

Mortgage

Document Number0063302389
DateDec 16, 2022
Book Page6330/2389
Instrument2022180228
Lender
NameTAMPA BAY FCU
TypeCredit Union
AddressTAMPA, FL 33603
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term169 Months
DueJan 01, 2037

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 19, 2021
Property Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
Document Number0060910202
Book / Page6091 / 202
Map ReferenceMB 2 PG 26
Instrument DateNov 17, 2021
Instrument2021180406
Transaction TypeTransfer
Record UpdatedJan 11, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 13, 2018
Property Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
Document Number0054490720
Book / Page5449 / 0720
Map ReferenceMB 2 PG 26
Instrument DateDec 11, 2018
Instrument2018182838
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,533.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4921 DUNMORE LN, 4921, KISSIMMEE, FL 34746-5415

Transferred To (Grantee/Buyer)

NameVerified Name
Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495

Mortgage

Document Number2018182839
DateDec 13, 2018
Instrument2018182839
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2049

November 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateNov 01, 2017
Property Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
Document Number0052331456
Book / Page005233 / 001456
Instrument DateOct 31, 2017
Instrument156789
Transaction TypeTransfer
Record UpdatedNov 28, 2017

Transaction

AmountAmount Recorded
Tax$910.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4921 DUNMORE LN KISSIMMEE FL 347465415, KISSIMMEE, FL 34746-5415

March 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOSCEOLA FL
Recording DateMar 07, 2017
Property Address6449 ADAM ST, SAINT CLOUD, FL 34771-9495
Document Number0051130038
Book / Page005113 / 000038
Instrument DateFeb 23, 2017
Instrument35763
Transaction TypeForeclosure
Record UpdatedApr 11, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$658.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address1 HOME CAMPUS DES MOINES IA 503280001, DES MOINES, IA 50328-0001
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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$4,502.00 (+5.56%)$273,500 (+3.95%) Land $50,000 Building $223,500$273,500 (+3.95%) Land $50,000 Building $223,500
2024$4,265.00 (+5.36%)
2023$4,048.00 (+9.61%)$263,100 (+10.08%) Land $45,000 Building $218,100$263,100 (+10.08%) Land $45,000 Building $218,100
2022$3,693.00$239,000 Land $40,000 Building $199,000$239,000 Land $40,000 Building $199,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
293 of 330 on primary residences
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022, tidal / storm surge, Hurricane Ian
Flood Events
  • Hurricane Ian (Oct 2022), 2 claims
  • Hurricane Ian (Sep 2022), 5 claims
  • Hurricane Frances (Sep 2004), 6 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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