695 Whitted Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 695 Whitted Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,359 sqft · built 2024
Lot Size	0.689 acres (30,012 sqft)
Owner	2 Company Names on Record
Last Sale	$8,000 (Dec 2004)
Tax Bill	$316 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Feb 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4260-0076-0180`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4260-0076-0180`
Alternative APNs	`253120426000760180` `91685`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,359 sqft Living Area
Gross Area	4,796 sqft
1st Floor Area	3,359 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	30,012 sqft (0.689 acres)
Lot Dimensions	1 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	985 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	36 sqft
Porch	Finished/Open Porch
Deck Area	609 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	695 WHITTED DR
City	SAINT CLOUD
State	FL
Zip	34771-8245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	NEW MAP OF NARCOOSSEE PB 1 PG 74, BLK 76 COM AT SW COR LOT 76, N 04 DEG E 575 FT TO POB, N 04 DEG E 150 FT, S 85 DEG E 225 FT, S 04 DEG W 150 FT, N 85 DEG W 225 FT TO POB LESS W 25 FT
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	76
Legal Lot Number	76
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3003
Census Tract	43700

Owner

Source: Osceola County records, as of February 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Feb 9, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 7, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2004 · Amount on Record
Deed Sale	Dec 28, 2004 · Amount on Record
Deed Document Number	2004245546
Deed Book / Page	2663 / 2588
Last Transfer Date	Dec 11, 2025
Transfer Doc	0069190720
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4963 PARKVIEW DR, SAINT CLOUD, FL 34771-7971

Mortgage

Document Number	0063231223
Date	Dec 1, 2022
Book Page	6323/1223
Instrument	2022173226

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	11.6%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 9, 2026
Property Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245
Document Number	0069190720
Book / Page	6919 / 720
Map Reference	MB 1 PG 73&74
Instrument Date	Dec 11, 2025
Instrument	2026016804
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 7, 2025
Property Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245
Document Number	0068772278
Book / Page	6877 / 2278
Map Reference	MB 1 PG 73&74
Instrument Date	Oct 28, 2025
Instrument	2025138414
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	695 WHITTED DR, SAINT CLOUD, FL 34771-8245

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	$316.00 (-63.17%)	$303,213 (+405.36%)	$580,800 (+868%) Land $60,000 Building $520,800
2024	$858.00 (+98.15%)	$60,000 (+93.55%) Land $60,000	$60,000 (+93.55%) Land $60,000
2023	$433.00	$31,000 (-) Land $31,000	$31,000 (-) Land $31,000
2022	$433.00	$31,000 Land $31,000	$31,000 Land $31,000

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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