6807 Midland Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6807 Midland Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 2018
Lot Size	0.299 acres (13,024 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Apr 2025)
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-26-31-4460-000G-7200`

Property Details

APN / Parcel Number

Primary APN	`01-26-31-4460-000G-7200`
Alternative APNs	`2631014460000G7200` `95104`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,504 sqft Living Area
Gross Area	2,112 sqft
1st Floor Area	1,504 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,024 sqft (0.299 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6807 MIDLAND DR
City	SAINT CLOUD
State	FL
Zip	34771-9755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES UNIT 1 PB 1 PG 358 BLK G LOTS 721, 722 AND S 1/2 OF LOT 720
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	G
Legal Lot Number	720
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1041
Census Tract	43801

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	6807 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Feb 14, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
May 31, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Oct 6, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2025 · Amount on Record
Deed Sale	Apr 3, 2025 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	202541835
Deed Book / Page	6765 / 418
Prior Transfer Date	Apr 1, 2025
Prior Transfer Doc	0067650418
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6807 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6807 MIDLAND DR, SAINT CLOUD, FL 34771-9755

Mortgage

Document Number	0060850674
Date	Nov 12, 2021
Book Page	6085/674
Instrument	2021176002

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6807 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Document Number	0056760773
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6807 MIDLAND DR ST CLOUD FL 347719755, ST CLOUD, FL 34771-9755

Mortgage

Document Number	0056760773
Date	Feb 18, 2020
Book Page	005676/000773
Instrument	24103

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2018
Property Address	6807 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Document Number	0053420488
Book / Page	005342 / 000488
Instrument Date	May 30, 2018
Instrument	84452
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,671.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6807 MIDLAND DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	53420489
Date	May 31, 2018
Book Page	005342/000489
Instrument	84453

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 6, 2017
Property Address	6807 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Document Number	0052200089
Book / Page	005220 / 000089
Instrument Date	Oct 6, 2017
Instrument	143501
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3725 LAKEVIEW ACRES RD ST CLOUD FL 347727578, ST CLOUD, FL 34772-7578

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	$3,010.00 (+5.73%)	$206,708 (+5.99%)	$353,800 (+21.58%) Land $70,000 Building $283,800
2024	$2,847.00 (+2.26%)
2023	$2,784.00 (+4.62%) Homeowner's exemption	$195,033 (+3%)	$291,000 (+19.12%) Land $45,000 Building $246,000
2022	$2,661.00 Homeowner's exemption	$189,353	$244,300 Land $35,000 Building $209,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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	High above 87% of the US · above 79% of Florida
Wildfire Likelihood	0.8% 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	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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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