6965 Big Bend Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6965 Big Bend Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	2,278 sqft Heated Area
Lot Size	114,911 sqft (2.63 acres)
Occupancy	Owner Occupied
Last Sale	$430,000 (2020)
Tax Bill	$5,215.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`103100`
Alternative APN	`182632259900010830`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,278 sqft Heated Area
Gross Area	3,262 sqft Gross Area
1st Floor	2,278 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	114,911 sqft (2.63 acres)
Depth X Width	225 ft x 110 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	550 sqft Garage
Porch	Open Porch
Porch Area	434 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	103100
Street Address	6965 BIG BEND DR
City	SAINT CLOUD
State	FL
Zip	34771-7324
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 83 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UN 3
Legal Tract	2599
Legal Block	1
Legal Lot Number	7,83
Legal Unit	H
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records · APN 103100

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	6965 BIG BEND DR, SAINT CLOUD, FL 34771-7324
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 05, 2020 · Amount on Record
Deed Sale	Jun 05, 2020 · Amount on Record
Prior Sale	Dec 23, 2015 · Amount on Record
Deed Doc Number	0005733105
Deed Book / Page	5733 / 105
Record Refreshed	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 05, 2020
Property Address	6965 BIG BEND DR, SAINT CLOUD, FL 34771-7324
Document Number	0057330105
Book / Page	5733 / 105
Map Reference	MB 4 PG 59-61
Instrument Date	Jun 05, 2020
Instrument	2020072662
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4849 SMILEY RD, 4849, CHAPEL HILL, TN 37034-2587

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6965 BIG BEND DR, SAINT CLOUD, FL 34771-7324

Mortgage

Document Number	0005733107
Date	Jun 05, 2020
Instrument	5733/107

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

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	$5,215.00 (+6.84%) Homeowner's exemption	$365,883 (+5.99%)	$508,100 (+9.91%) Land $108,800 Building $399,300
2023	$4,881.00 (+3.87%) Homeowner's exemption	$345,216 (+3%)	$462,300 (+16.45%) Land $93,800 Building $368,500
2022	$4,699.00 Homeowner's exemption	$335,162	$397,000 Land $93,800 Building $303,200

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 A
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	Not determined for this zone

Wildfire

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	About 1 in 236 per year
Exposure	Direct burnable vegetation at the parcel

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