Osceola County property record for 709 Hemlock St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,844 sqft · built 1972 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Sep 2024) |
| Tax Bill | $5,926 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 82497 |
| Primary APN | 82497 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,844 sqft Heated Area |
| Gross Area | 2,788 sqft |
| 1st Floor Area | 1,844 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 100 ft deep x 113 ft wide |
| Garage Type | Finished |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 507 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 248 sqft |
| Deck Area | 293 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82497 |
|---|---|
| Street Address | 709 HEMLOCK ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 39 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATE |
| Legal Tract | 900 |
| Legal Block | 1 |
| Legal Lot Number | 9,39 9 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82497
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 | 873 LANCE ST, SEBASTIAN, FL 32958-5317 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2024 · Amount on Record |
| Deed Sale | Sep 24, 2024 · Amount on Record |
| Prior Sale | Sep 15, 2003 |
| Deed Document Number | 2024122415 |
| Deed Book / Page | 6669 / 704 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,926.00 (+353.75%) | $330,900 (+188.55%) Land $65,000 Building $265,900 | $330,900 (-2.04%) Land $65,000 Building $265,900 |
| 2023 | $1,306.00 (+4.73%) Homeowner's exemption | $114,677 (+3%) | $337,800 (+15.92%) Land $60,000 Building $277,800 |
| 2022 | $1,247.00 Homeowner's exemption | $111,337 | $291,400 Land $55,000 Building $236,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 29 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured (6 under condo master policies) 24 of 29 individual policies on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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