Osceola County property record for 690 Split Hoof Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,890 sqft · built 2022 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $399,000 (Feb 2024) |
| Tax Bill | $4,947 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-25-31-4989-0001-3470 |
| Primary APN | 27-25-31-4989-0001-3470 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,890 sqft Living Area |
| Gross Area | 2,362 sqft |
| 1st Floor Area | 1,890 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| 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 | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 690 SPLIT HOOF DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNBROOKE PH 2 PB 29 PGS 182-186 LOT 347 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 27 |
| Legal Subdivision | SUNBROOKE |
| Legal Phase | 2 |
| Legal Lot Number | 347 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 43700 |
Source: Osceola County assessment roll, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 690 SPLIT HOOF DR, SAINT CLOUD, FL 34771-9184 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 27, 2024 | Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC |
| May 20, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2024 · Amount on Record |
| Deed Sale | Feb 27, 2024 · Amount on Record |
| Prior Sale | May 20, 2022 · Amount on Record |
| Deed Document Number | 202425527 |
| Deed Book / Page | 6556 / 6 |
| Last Transfer Date | Dec 12, 2024 |
| Transfer Doc | 0067111463 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 27, 2024 |
| Property Address | 690 SPLIT HOOF DR, SAINT CLOUD, FL 34771-9184 |
| Document Number | 0065560006 |
| Book / Page | 6556 / 6 |
| Map Reference | MB 29 PG 182 |
| Instrument Date | Feb 20, 2024 |
| Instrument | 2024025527 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Title Company | NOT AVAILABLE, TITLETEAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,793.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1730 SANIBEL DR, DAVENPORT, FL 33896-5660 |
| Name | Verified Name |
|---|---|
| Address | 690 SPLIT HOOF DR, SAINT CLOUD, FL 34771-9184 |
| Document Number | 0000065568 |
|---|---|
| Date | Feb 27, 2024 |
| Instrument | 6556/8 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 20, 2022 |
| Property Address | 690 SPLIT HOOF DR, SAINT CLOUD, FL 34771-9184 |
| Document Number | 0062181037 |
| Book / Page | 6218 / 1037 |
| Map Reference | MB 29 PG 182 |
| Instrument Date | May 16, 2022 |
| Instrument | 2022080256 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,631.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1064 GREENWOOD BLVD STE 124, 124, LAKE MARY, FL 32746-5419 |
| Name | Verified Name |
|---|---|
| Address | 690 SPLIT HOOF DR, SAINT CLOUD, FL 34771-9184 |
| Document Number | 0062181039 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 6218/1039 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Quarterly |
| Min Rate At Change | 6.37% |
| Max Rate At Change | 11.3% |
| Index | Other |
| Margin | 4 |
| Max Rate | 11.3% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,947.00 (-7.91%) | $346,500 (-2.72%) Land $80,000 Building $266,500 | $346,500 (-2.72%) Land $80,000 Building $266,500 |
| 2024 | $5,372.00 (-3.99%) | ||
| 2023 | $5,595.00 (+295.69%) | $356,200 (+493.67%) Land $70,000 Building $286,200 | $356,200 (+493.67%) Land $70,000 Building $286,200 |
| 2022 | $1,414.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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