6534 Cir Rock Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6534 Cir Rock Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,438 sqft · built 2024
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$571,400 (Apr 2024)
Tax Bill	$6,197 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-25-31-5538-0001-1820`

Property Details

APN / Parcel Number

Primary APN	`02-25-31-5538-0001-1820`
Alternative APN	`253102553800011820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,438 sqft Living Area
Gross Area	3,282 sqft
1st Floor Area	2,438 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	418 sqft
Porch	Finished/Open Porch
Porch Area	426 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	6534 CIRCLE ROCK WAY
City	SAINT CLOUD
State	FL
Zip	34771-8954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESLYN PARK PH 2 PB 32 PGS 72-94 LOT 182
Legal Subdivision	WESLYN PARK PHASE 2
Legal Lot Number	182
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

6534 Cir Rock Way is owned and occupied by two individuals who bought it in April 2024.

Source: Osceola County records, as of March 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6534 CIRCLE ROCK WAY, SAINT CLOUD, FL 34771-8954
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 15, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on File
Deed Sale	Apr 15, 2024 · Amount on File
Prior Sale	Dec 27, 2022 · Amount on File
Deed Document Number	202448415
Deed Book / Page	6582 / 2318
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6534 CIRCLE ROCK WAY, SAINT CLOUD, FL 34771-8954
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6534 CIRCLE ROCK WAY, SAINT CLOUD, FL 34771-8954

Mortgage

Document Number	0069350220
Date	Mar 11, 2026
Book Page	6935/220
Instrument	2026031498

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 15, 2024
Property Address	6534 CIRCLE ROCK WAY, SAINT CLOUD, FL 34771-8954
Document Number	0065822318
Book / Page	6582 / 2318
Map Reference	MB 32 PGS 72 THROUGH
Instrument Date	Apr 12, 2024
Instrument	2024048415
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,999.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 CRESCENT EXECUTIVE CT # CT144, CT144, LAKE MARY, FL 32746-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6534 CIRCLE ROCK WAY, SAINT CLOUD, FL 34771-8954

Mortgage

Document Number	2024048416
Date	Apr 15, 2024
Instrument	2024048416

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 6534 Cir Rock Way was $6,197, up 76.9% from the year before.

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	$6,197.00 (+76.86%)	$309,513	$510,500 Land $90,000 Building $420,500
2024	$3,504.00 (+13.29%)
2023	$3,093.00 (+26.81%)	$75,000 (+15%) Land $75,000	$75,000 (+15%) Land $75,000
2022	$2,439.00	$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

FEMA maps place 6534 Cir Rock Way in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File 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

Wildfire risk around 6534 Cir Rock Way is very high, ranking above 94% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 94% of the US · above 90% 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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