6509 Rover Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6509 Rover Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,203 sqft · built 2023
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,000 (Sep 2023)
Tax Bill	$16,962 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-25-31-5538-0001-0720`

Property Details

APN / Parcel Number

Primary APN	`02-25-31-5538-0001-0720`
Alternative APN	`253102553800010720`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,203 sqft Living Area
Gross Area	2,978 sqft
1st Floor Area	1,283 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	504 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	6509 ROVER WAY
City	SAINT CLOUD
State	FL
Zip	34771-8971
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESLYN PARK PH 2 PB 32 PGS 72-94 LOT 72
Legal Subdivision	WESLYN PARK PHASE 2
Legal Lot Number	72
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records, as of August 19, 2026

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	6509 ROVER WAY, SAINT CLOUD, FL 34771-8971
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CREDIT UNION
Sep 26, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Deed Document Number	2023126345
Deed Book / Page	6479 / 2178
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 8, 2026
Property Address	6509 ROVER WAY, SAINT CLOUD, FL 34771-8971
Document Number	0000061454
Book / Page	6969 / 371
Instrument Date	Apr 17, 2026
Instrument	202661454
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 ROVER WAY, SAINT CLOUD, FL 34771-8971

Mortgage

Document Number	0000061454,
Date	May 8, 2026
Book Page	6969/371
Instrument	202661454

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2023
Property Address	6509 ROVER WAY, SAINT CLOUD, FL 34771-8971
Document Number	0064792178
Book / Page	6479 / 2178
Map Reference	MB 32 PG 72-94
Instrument Date	Sep 22, 2023
Instrument	2023126345
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,773.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR # 1302, 1302, ORLANDO, FL 32819-9029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 ROVER WAY, SAINT CLOUD, FL 34771-8971

Mortgage

Document Number	0064792180
Date	Sep 26, 2023
Instrument	6479/2180

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

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	$16,962.00 (-0.08%)	$469,300 (+525.73%) Land $90,000 Building $379,300	$469,300 (+525.73%) Land $90,000 Building $379,300
2024	$16,975.00 (+573.08%)
2023	$2,522.00 (+35.01%)	$75,000 (+15%) Land $75,000	$75,000 (+15%) Land $75,000
2022	$1,868.00	$30,000 Land $30,000	$30,000 Land $30,000

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

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 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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	Very High above 92% of the US · above 87% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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