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6978 Big Bend Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6978 Big Bend Dr, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,004 sqft · built 1991
Lot Size1 acres (43,734 sqft)
OwnerCompany Name on File
Tax Bill$2,950 (2025)
Deeds & MortgagesFeb 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN18-26-32-2599-0001-0540

Property Details

APN / Parcel Number

Primary APN18-26-32-2599-0001-0540
Alternative APNs
  • 263218259900010540
  • 103071

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,004 sqft Living Area
Gross Area2,956 sqft
1st Floor Area2,004 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1996
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area43,734 sqft (1 acres)
Garage TypeAttached
Garage Area480 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area28 sqft
PorchFlorida Room
Porch Area472 sqft
Deck Area680 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address6978 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 54
Legal Range32E
Legal Township26S
Legal Section18
Legal SubdivisionBAY LAKE RANCH UNIT 3
Legal Tract2599
Legal Block540
Legal Lot Number54
Legal UnitH
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1007
Census Tract43801

Owner

Source: Osceola County records · APN 18-26-32-2599-0001-0540

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of RecordCompany Name on File
Mailing Address6978 BIG BEND DR, SAINT CLOUD, FL 34771-7323
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateMay 16, 2024
Transfer Doc0066111204
Record UpdatedJun 08, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6978 BIG BEND DR, SAINT CLOUD, FL 34771-7323
Document Number0051020212
Book / Page005102 / 000212
Instrument DateFeb 06, 2017
Transaction TypeMortgage
Record UpdatedMar 17, 2017
Title CompanyDATA SEARCH INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6978 BIG BEND DR ST CLOUD FL 347717323, ST CLOUD, FL 34771-7323

Mortgage

Document Number0051020212
DateFeb 13, 2017
Book Page005102/000212
Instrument24677
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueFeb 12, 2042
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$2,950.00 (+5.77%)$202,411 (+5.99%)$431,100 (+12.5%) Land $108,000 Building $323,100
2024$2,789.00 (+2.27%)
2023$2,727.00 (+4.64%) Homeowner's exemption$190,978 (+3%)$383,200 (+20.13%) Land $85,000 Building $298,200
2022$2,606.00 Homeowner's exemption$185,416$319,000 Land $68,000 Building $251,000

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 79% of the US · above 68% of Florida
Wildfire LikelihoodAbout 1 in 176 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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