6970 Sawgrass Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6970 Sawgrass Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,813 sqft · built 2003
Lot Size	1.01 acres (44,300 sqft)
Owner	2 Individual Names on File
Last Sale	$36,000 (Jul 2003)
Tax Bill	$3,226 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-2599-0001-2260`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-2260`
Alternative APNs	`263218259900012260` `103243`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,813 sqft Living Area
Gross Area	2,911 sqft
1st Floor Area	1,813 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,300 sqft (1.01 acres)
Garage Type	Attached
Garage Area	668 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	430 sqft
Deck Area	424 sqft
Quonset Hut	2,040 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6970 SAWGRASS DR
City	SAINT CLOUD
State	FL
Zip	34771-8919
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 226 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	2260
Legal Lot Number	226
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1015
Census Tract	43801

Owner

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 Individual Names on File
Mailing Address	6970 SAWGRASS DR, SAINT CLOUD, FL 34771-8919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Oct 27, 2023	Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 2, 2003 · Amount on Record
Deed Sale	Jul 2, 2003 · Amount on Record
Prior Sale	Apr 30, 2001
Deed Book / Page	2283 / 2633
Prior Transfer Date	Aug 11, 2000
Prior Transfer Doc	1771001631
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6970 SAWGRASS DR, SAINT CLOUD, FL 34771-8919
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6970 SAWGRASS DR, SAINT CLOUD, FL 34771-8919

Mortgage

Document Number	0068632494
Date	Oct 13, 2025
Book Page	6863/2494
Instrument	2025126765

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6970 SAWGRASS DR, SAINT CLOUD, FL 34771-8919
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6970 SAWGRASS DR, SAINT CLOUD, FL 34771-8919

Mortgage

Document Number	0064961483
Date	Oct 27, 2023
Book Page	6496/1483
Instrument	2023141833

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

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	$3,226.00 (+5.56%) Homeowner's exemption	$222,278 (+5.99%)	$464,700 (+11.81%) Land $108,000 Building $356,700
2024	$3,056.00 (+2.24%)
2023	$2,989.00 (+4.47%) Homeowner's exemption	$209,723 (+3%)	$415,600 (+19.87%) Land $85,000 Building $330,600
2022	$2,861.00 Homeowner's exemption	$203,615	$346,700 Land $68,000 Building $278,700

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 80% of the US · above 69% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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