651 Pacito Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 651 Pacito Way, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 2,122 sqft · built 2018
Lot Size	0.044 acres (1,960 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jan 2019)
Tax Bill	$3,542 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`138317`

Property Details

APN / Parcel Number

Primary APN	`138317`
Alternative APN	`042630005700010420`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,122 sqft Heated Area
Gross Area	2,538 sqft
1st Floor Area	875 sqft
Upper Floors Area	1,247 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,960 sqft (0.044 acres)
Lot Dimensions	59 ft deep x 33 ft wide
Garage Type	Finished
Garage Area	355 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	61 sqft
Patio Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138317
Street Address	651 PACITO WAY
City	SAINT CLOUD
State	FL
Zip	34769-7090
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	BATTAGLIA PB 18 PG 116-117 LOT 42
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BATTAGLIA TOWNHOMES
Legal Tract	57
Legal Block	1
Legal Lot Number	42
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	43203

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	651 PACITO WAY, SAINT CLOUD, FL 34769-7090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 3, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Deed Document Number	2019000803
Deed Book / Page	5458 / 0402
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	651 PACITO WAY, SAINT CLOUD, FL 34769-7090
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PACITO WAY, SAINT CLOUD, FL 34769-7090

Mortgage

Document Number	0060462853
Date	Sep 20, 2021
Book Page	6046/2853
Instrument	2021145268

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2019
Property Address	651 PACITO WAY, SAINT CLOUD, FL 34769-7090
Document Number	0054580402
Book / Page	5458 / 0402
Map Reference	MB 18 PG 116&117
Instrument Date	Dec 28, 2018
Instrument	2019000803
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OSCEOLA TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PACITO WAY, SAINT CLOUD, FL 34769-7090

Mortgage

Document Number	2019000804
Date	Jan 3, 2019
Instrument	2019000804

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,542.00 (+6.3%) Homeowner's exemption	$240,798 (+5.99%)	$297,500 (-7.92%) Land $40,000 Building $257,500
2023	$3,332.00 (+3.61%) Homeowner's exemption	$227,197 (+3%)	$323,100 (+15.81%) Land $14,900 Building $308,200
2022	$3,216.00 Homeowner's exemption	$220,580	$279,000 Land $14,900 Building $264,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

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