6860 Oaktree Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6860 Oaktree Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1979
Square Footage	1,214 sqft Heated Area
Lot Size	20,909 sqft (0.48 acres)
Occupancy	Owner Occupied
Tax Bill	$1,833.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`94738`
Alternative APN	`362531430000011510`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	2 Rooms
Building Area	1,214 sqft Heated Area
Gross Area	1,526 sqft Gross Area
1st Floor	2,907 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Paneling Interior Structure

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1979
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	20,909 sqft (0.48 acres)
Depth X Width	120 ft x 175 ft Depth x Width
Porch	Enclosed Porch
Porch Area	487 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	94738
Street Address	6860 OAKTREE LN
City	SAINT CLOUD
State	FL
Zip	34771-8558
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NEW EDEN UNIT 1 PB 1 PG 128 LOTS 151 THRU 157
Legal Range	31E
Legal Township	25S
Legal Section	36
Legal Subdivision	NEW EDEN
Legal Tract	4300
Legal Block	1
Legal Lot Number	151-157 152
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2000
Census Tract	43700

Owner

Source: Osceola County records · APN 94738

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	2 Individual Names on File
Mailing Address	6860 OAKTREE LN, SAINT CLOUD, FL 34771-8558
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 11, 1995
Deed Sale	Mar 11, 1995
Deed Doc Number	0061541109
Record Refreshed	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6860 OAKTREE LN, SAINT CLOUD, FL 34771-8558
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6860 OAKTREE LN, SAINT CLOUD, FL 34771-8558

Mortgage

Document Number	0062192389
Date	May 24, 2022
Book Page	6219/2389
Instrument	2022081606

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	869 Months
Due	Oct 14, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.81%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Jul 01, 2022
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Index	1-Year CMT
Max Rate	9.81%

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	$1,833.00 (+10.36%) Homeowner's exemption Widower's exemption	$126,783 (+5.99%)	$155,100 (+8.39%) Land $21,600 Building $133,500
2023	$1,661.00 (+1.84%) Homeowner's exemption Widower's exemption	$119,622 (+3%)	$143,100 (+10.33%) Land $13,400 Building $129,700
2022	$1,631.00 Homeowner's exemption Widower's exemption	$116,138	$129,700 Land $13,400 Building $116,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	66.0 ft

Wildfire

Wildfire Risk	Very High above 94% of the US · above 90% of Florida
Wildfire Likelihood	About 1 in 57 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.