Osceola County property record for 712 Indian Lakes Blvd E, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2011 |
| Square Footage | 1,870 sqft Heated Area |
| Lot Size | 9,409 sqft (0.216 acres) |
| Garage | Finished, 444 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,358.00 (2025) |
| Primary APN | 149486 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,870 sqft Heated Area |
| Gross Area | 2,498 sqft Gross Area |
| 1st Floor | 1,870 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,409 sqft (0.216 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 444 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 184 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 149486 |
|---|---|
| Street Address | 712 INDIAN LAKES BLVD E |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7358 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PH 8 PB 19 PGS 133-134 LOT 369 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Phase | 8 |
| Legal Tract | 66 |
| Legal Block | 1 |
| Legal Lot Number | 369 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43303 |
Source: Osceola County records · APN 149486
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 712 INDIAN LAKES BLVD E, SAINT CLOUD, FL 34772-7358 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE |
| Jul 27, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage STEARNS LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 03, 2025 |
| Deed Sale | Jul 03, 2025 |
| Prior Sale | Apr 28, 2011 · Amount on Record |
| Deed Doc Number | 2017108980 |
| Deed Book / Page | 5185 / 1661 |
| Prior Transfer Date | Jul 27, 2017 |
| Prior Transfer Doc | 2017108980 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 712 INDIAN LAKES BLVD E, SAINT CLOUD, FL 34772-7358 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0058120003 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 5812/3 |
| Instrument | 2020138238 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Sep 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2017 |
| Property Address | 712 INDIAN LAKES BLVD E, SAINT CLOUD, FL 34772-7358 |
| Document Number | 0051851661 |
| Book / Page | 005185 / 001661 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 108980 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,561.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 712 INDIAN LAKES BLVD E ST CLOUD FL 347727358, ST CLOUD, FL 34772-7358 |
| Document Number | 51851664 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 005185/001664 |
| Instrument | 108981 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2047 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,358.00 (+6.75%) Homeowner's exemption | $174,668 (+5.99%) | $329,400 (-3.88%) Land $78,000 Building $251,400 |
| 2023 | $2,209.00 (+4%) Homeowner's exemption | $164,802 (+3%) | $342,700 (+23.76%) Land $60,000 Building $282,700 |
| 2022 | $2,124.00 Homeowner's exemption | $160,002 | $276,900 Land $55,000 Building $221,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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