6965 Maverick Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6965 Maverick Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,356 sqft · built 2020
Lot Size	1 acres (43,734 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (May 2020)
Tax Bill	$5,743 (2025)
Deeds & Mortgages	May 2020 Sale & Construction Loan Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`103213`

Property Details

APN / Parcel Number

Primary APN	`103213`
Alternative APN	`182632259900011960`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,356 sqft Heated Area
Gross Area	3,419 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,734 sqft (1 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103213
Street Address	6965 MAVERICK TRL
City	SAINT CLOUD
State	FL
Zip	34771-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 196 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	7,196
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1013
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6965 MAVERICK TRL, SAINT CLOUD, FL 34771-9527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK
Feb 5, 2020	Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Feb 5, 2020 · Amount on Record
Deed Document Number	2020068337
Deed Book / Page	5727 / 1996
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 27, 2020
Property Address	6965 MAVERICK TRL, SAINT CLOUD, FL 34771-9527
Document Number	0057271996
Book / Page	5727 / 1996
Map Reference	MB 4 PG 59
Instrument Date	May 22, 2020
Instrument	2020068337
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 SAGE BRUSH CIR, MELBOURNE, FL 32901-8203

Mortgage

Document Number	0057271997
Date	May 27, 2020
Instrument	5727/1997

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2020
Property Address	6965 MAVERICK TRL, SAINT CLOUD, FL 34771-9527
Document Number	0056692436
Book / Page	005669 / 002436
Instrument Date	Feb 5, 2020
Instrument	18113
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

Amount	Amount Recorded
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

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	$5,743.00 (+6.67%) Homeowner's exemption	$404,001 (+5.99%)	$562,400 (+11.74%) Land $108,000 Building $454,400
2023	$5,384.00 (+3.8%) Homeowner's exemption	$381,181 (+3%)	$503,300 (+22.4%) Land $85,000 Building $418,300
2022	$5,187.00 Homeowner's exemption	$370,079	$411,200 Land $68,000 Building $343,200

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 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	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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