6832 Habitat Dr, Saint Cloud, FL 34773 Property Records

Osceola County property record for 6832 Habitat Dr, Saint Cloud, FL 34773 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,225 sqft · built 2017
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Sep 2023)
Tax Bill	$7,618 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302632329300010440`

Property Details

APN / Parcel Number

Primary APN	`302632329300010440`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,225 sqft Heated Area
Gross Area	2,798 sqft
1st Floor Area	1,155 sqft
Upper Floors Area	1,070 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Detached - Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6832 HABITAT DR
City	SAINT CLOUD
State	FL
Zip	34773-6039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARMONY NBHD H-1 PB 23 PG 22-27 LOT 44
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY
Legal Tract	3293
Legal Block	1
Legal Lot Number	44
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2101
Census Tract	43801

Owner

Source: Osceola County records · APN 302632329300010440

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	6832 HABITAT DR, SAINT CLOUD, FL 34773-6039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 19, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 12, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	2023123335
Deed Book / Page	6476 / 939
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6832 HABITAT DR, SAINT CLOUD, FL 34773-6039
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6832 HABITAT DR, HARMONY, FL 34773-6039

Mortgage

Document Number	0059730733
Date	Jun 03, 2021
Book Page	5973/733
Instrument	2021086739

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2036

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 19, 2023
Property Address	6832 HABITAT DR, SAINT CLOUD, FL 34773-6039
Document Number	0064760939
Book / Page	6476 / 939
Map Reference	MB 23 PG 22-27
Instrument Date	Sep 15, 2023
Instrument	2023123335
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 DOULTON CT, ROSEVILLE, CA 95661-7756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9715 AVELLIO AVENUE #10201 # 10201, 10201, ORLANDO, FL 32819-8831

Mortgage

Document Number	0006476941
Date	Sep 19, 2023
Instrument	6476/941

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

July 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 12, 2017
Property Address	6832 HABITAT DR, HARMONY, FL 34773-6039
Document Number	0051781223
Book / Page	5178 / 1223
Map Reference	MB23 PG22
Instrument Date	Jul 07, 2017
Instrument	2017101608
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 01, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6832 HABITAT DR, HARMONY, FL 34773-6039

Mortgage

Document Number	0051781227
Date	Jul 12, 2017
Instrument	5178/1227

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

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
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,618.00 (+38.06%)	$326,000 (+44.43%) Land $65,000 Building $261,000	$326,000 (-1.54%) Land $65,000 Building $261,000
2023	$5,518.00 (+5.71%) Homeowner's exemption	$225,710 (+3%)	$331,100 (+13.2%) Land $65,000 Building $266,100
2022	$5,220.00 Homeowner's exemption	$219,136	$292,500 Land $60,000 Building $232,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438012, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

Wildfire

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	About 1 in 251 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 209 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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