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6974 Big Bend Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6974 Big Bend Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,055 sqft · built 1989
Lot Size1 acres (43,734 sqft)
Owner2 Individual Names on File
Last Sale$16,900 (Jan 1989)
Tax Bill$2,468 (2025)
Deeds & MortgagesMar 2026 Second Mortgage
Sep 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN103073

Property Details

APN / Parcel Number

Primary APN103073
Alternative APN
  • 182632259900010560

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,055 sqft Heated Area
Gross Area2,472 sqft
1st Floor Area1,839 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1994
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area43,734 sqft (1 acres)
Garage TypeFinished
Garage Area336 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area220 sqft
PorchEnclosed Porch
Porch Area297 sqft
Deck Area596 sqft
FenceFence
Shed1 Shed
Shed Area264 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number103073
Street Address6974 BIG BEND DR
CitySAINT CLOUD
StateFL
Zip34771-7323
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 56
Legal Range32E
Legal Township26S
Legal Section18
Legal SubdivisionBAY LAKE RANCH UN 3
Legal Tract2599
Legal Block1
Legal Lot Number56
Legal UnitH
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1007
Census Tract43801

Owner

Source: Osceola County records · APN 103073

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 Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address6974 BIG BEND DR, SAINT CLOUD, FL 34771-7323
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 09, 2026Deed of Trust, Mortgage · Stand-Alone Second Mortgage
AMERISAVE MORTGAGE CORP
Sep 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 26, 1989 · Amount on Record
Deed SaleJan 26, 1989 · Amount on Record
Deed Document Number0009081440
Record UpdatedJun 08, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6974 BIG BEND DR, SAINT CLOUD, FL 34771-7323
Transaction TypeMortgage
Record UpdatedMar 25, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address6974 BIG BEND DR, SAINT CLOUD, FL 34771-7323

Mortgage

Document Number0069330498
DateMar 09, 2026
Book Page6933/498
Instrument2026029840
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30342
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2056

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6974 BIG BEND DR, SAINT CLOUD, FL 34771-7323
Transaction TypeMortgage
Record UpdatedOct 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address6974 BIG BEND DR, SAINT CLOUD, FL 34771-7323

Mortgage

Document Number0060511317
DateSep 24, 2021
Book Page6051/1317
Instrument2021149024
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term25 Months
DueOct 01, 2023

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,468.00 (+8.77%) Homeowner's exemption$167,591 (+5.99%)$375,800 (+13.3%) Land $108,000 Building $267,800
2023$2,269.00 (+5.05%) Homeowner's exemption$158,125 (+3%)$331,700 (+21.19%) Land $85,000 Building $246,700
2022$2,160.00 Homeowner's exemption$153,520$273,700 Land $68,000 Building $205,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 192 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies192 in force
Nearby Flood Claims6 (2002–2023)
Most Recent ClaimNov 2023, rainfall accumulation

Wildfire

Wildfire RiskHigh
above 76% of the US · above 62% of Florida
Wildfire LikelihoodAbout 1 in 188 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 86 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

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