645 Hitch Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 645 Hitch Loop, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2023
Square Footage	3,165 sqft Heated Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$463,000 (2023)
Tax Bill	$9,190.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`132630011900014250`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	3,165 sqft Heated Area
Gross Area	3,807 sqft Gross Area
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished Garage

Exterior Amenities

Fence	Fence
Patio Area	28 sqft Patio
Porch	Open Porch
Porch Area	42 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	645 HITCH LOOP
City	SAINT CLOUD
State	FL
Zip	34772-7882
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 4 PB 31 PGS 142-143 LOT 425
Legal Phase	4
Legal Lot Number	425
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2056
Census Tract	43303

Owner

Source: Osceola County records · APN 132630011900014250

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	645 HITCH LOOP, SAINT CLOUD, FL 34772-7882
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Deed Doc Number	2023019427
Deed Book / Page	6359 / 2133
Record Refreshed	Jun 08, 2026

February 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 17, 2023
Property Address	645 HITCH LOOP, SAINT CLOUD, FL 34772-7882
Document Number	0063592133
Book / Page	6359 / 2133
Map Reference	MB 31 PG 142
Instrument Date	Feb 14, 2023
Instrument	2023019427
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,241.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 HITCH LOOP, SAINT CLOUD, FL 34772-7882

Mortgage

Document Number	0063592137
Date	Feb 17, 2023
Instrument	6359/2137

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2053

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
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,190.00 (+225.08%) Homeowner's exemption	$449,900 (+718%) Land $78,000 Building $371,900	$449,900 (+718%) Land $78,000 Building $371,900
2023	$2,827.00 (+6.28%)	$55,000 (+22.22%) Land $55,000	$55,000 (+22.22%) Land $55,000
2022	$2,660.00	$45,000 Land $45,000	$45,000 Land $45,000

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

Wildfire

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 285 per year
Exposure	Direct burnable vegetation at the parcel

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