6835 Midland Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6835 Midland Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,517 sqft · built 2023
Lot Size	3.7 acres (161,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jan 2021)
Tax Bill	$10,582 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`012631000000420000`

Property Details

APN / Parcel Number

Primary APN	`012631000000420000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,517 sqft Heated Area
Gross Area	5,173 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Earth
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	161,172 sqft (3.7 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	979 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6835 MIDLAND DR
City	SAINT CLOUD
State	FL
Zip	34771-9755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SE COR OF LOT 822 BLK H, OAKWOOD SHORES PB 1 PG 358, N83-47-10E 48.20 FT, N82-39-00E 110.30 FT, S01-15-34W 28.10 FT TO
Legal Lot Number	822
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

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	2 Individual Names on Record
Mailing Address	1875 CARROLL DR, SAINT CLOUD, FL 34771-9737
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Deed Document Number	0058811558
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6835 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1875 CARROLL DR, SAINT CLOUD, FL 34771-9737

Mortgage

Document Number	0061692297
Date	Mar 11, 2022
Book Page	6169/2297
Instrument	2022039753

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$10,582.00 (+405.59%)	$712,400 (+575.9%) Land $99,900 Building $612,500	$712,400 (+575.9%) Land $99,900 Building $612,500
2023	$2,093.00 (+42.09%)	$105,400 (-) Land $105,400	$105,400 (-) Land $105,400
2022	$1,473.00	$105,400 Land $105,400	$105,400 Land $105,400

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 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	Very High above 91% of the US · above 85% 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 47 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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