7105 Six Gun Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7105 Six Gun Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,614 sqft · built 2019
Lot Size	2.12 acres (92,434 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Sep 2025)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Sep 2025 Sale May 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`102777`

Property Details

APN / Parcel Number

Primary APN	`102777`
Alternative APN	`062632259800011280`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,614 sqft Heated Area
Gross Area	3,948 sqft
1st Floor Area	2,614 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	92,434 sqft (2.12 acres)
Garage Type	Finished
Garage Area	726 sqft

Exterior Amenities

Pool Area	276 sqft
Porch	Open Porch
Porch Area	608 sqft
Deck Area	684 sqft
Shed	1 Shed
Shed Area	810 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	102777
Street Address	7105 SIX GUN CT
City	SAINT CLOUD
State	FL
Zip	34771-7918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR2
Legal Description	BAY LAKE RANCH UNIT II PB 2 PG 293-295 LOT 128
Legal Range	32E
Legal Township	26S
Legal Section	06
Legal Subdivision	BAY LAKE RANCH UN 2
Legal Tract	2598
Legal Block	1
Legal Lot Number	128
Legal Unit	II
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
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
Mailing Address	4901 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
May 13, 2019	Loan Modification, Mortgage CENTENNIAL BK
Jun 28, 2018	Warranty Deed, Subdivision Related Transfer · ARM CENTENNIAL BANK
Jan 11, 2018	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	2025117411
Deed Book / Page	6852 / 1916
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 24, 2025
Property Address	7105 SIX GUN CT, SAINT CLOUD, FL 34771-7918
Document Number	0068521916
Book / Page	6852 / 1916
Map Reference	MB 19 PG 48
Instrument Date	Sep 19, 2025
Instrument	2025117411
Transaction Type	Transfer
Record Updated	Nov 5, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7105 SIX GUN CT, SAINT CLOUD, FL 34771-7918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	7105 SIX GUN CT, SAINT CLOUD, FL 34771-7918
Document Number	0055282774
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7105 SIX GUN CT ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	0055282774
Date	May 23, 2019
Book Page	005528/002774
Instrument	66543

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 22, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 28, 2018
Property Address	7105 SIX GUN CT, SAINT CLOUD, FL 34771-7918
Document Number	0053582026
Book / Page	5358 / 2026
Map Reference	MB2 PG293-295
Instrument Date	Jun 28, 2018
Instrument	2018099899
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Tax	$630.00
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	4914 PARKVIEW DR, SAINT CLOUD, FL 34771-7972

Mortgage

Document Number	2018099900
Date	Jun 28, 2018
Instrument	2018099900

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Margin	4
Max Rate	10%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2018
Property Address	7105 SIX GUN CT, SAINT CLOUD, FL 34771-7918
Document Number	0052680788
Book / Page	005268 / 000788
Instrument Date	Jan 11, 2018
Instrument	6475
Transaction Type	Transfer
Record Updated	Feb 9, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
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	$5,209.00 (+6.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$370,452 (+4.22%)	$627,100 (+0.88%) Land $110,000 Building $517,100
2024	$4,912.00 (+2.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$355,445 (+3%)	$621,600 (+10.59%) Land $110,000 Building $511,600
2023	$4,810.00 (+3.93%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$345,093 (+3%)	$562,100 (+13.99%) Land $80,000 Building $482,100
2022	$4,628.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$335,042	$493,100 Land $80,000 Building $413,100

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	Very High above 91% of the US · above 85% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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