7125 Indiangrass Rd, Saint Cloud, FL 34773 Property Records

Osceola County property record for 7125 Indiangrass Rd, Saint Cloud, FL 34773

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,220 sqft · built 2017
Lot Size	0.207 acres (9,060 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Jul 2016)
Tax Bill	$14,116 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Mar 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`128854`

Property Details

APN / Parcel Number

Primary APN	`128854`
Alternative APN	`302632267000010330`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,220 sqft Heated Area
Gross Area	6,695 sqft
1st Floor Area	2,428 sqft
Upper Floors Area	2,792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,060 sqft (0.207 acres)
Garage Type	Finished
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	36 sqft
Porch	Open Porch
Porch Area	771 sqft
Deck Area	1,013 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	128854
Street Address	7125 INDIANGRASS RD
City	SAINT CLOUD
State	FL
Zip	34773-6068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BIRCHWOOD NEIGHBORHOOD D-1 PB 17 PGS 80-81 LOT 33
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY BIRCHWOOD NBC B C C2 D1
Legal Tract	2670
Legal Block	1
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2110
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	7125 INDIANGRASS RD, SAINT CLOUD, FL 34773-6068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 9, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Jan 19, 2018	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2016 · Amount on Record
Deed Sale	Jul 25, 2016 · Amount on Record
Prior Sale	Oct 1, 2013 · Amount on Record
Deed Document Number	2016113462
Deed Book / Page	4998 / 1984
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7125 INDIANGRASS RD, SAINT CLOUD, FL 34773-6068
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7125 INDIANGRASS RD, SAINT CLOUD, FL 34773-6068
Investor	Possibly a Property Investor

Mortgage

Document Number	0066850468
Date	Oct 25, 2024
Book Page	6685/468
Instrument	2024136323

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 20, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7125 INDIANGRASS RD, HARMONY, FL 34773-6068
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051141617
Date	Mar 9, 2017
Book Page	5114/1617
Instrument	2017037497

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	7125 INDIANGRASS RD, HARMONY, FL 34773-6068
Document Number	0052781648
Book / Page	005278 / 001648
Instrument Date	Jan 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7125 INDIAN GRASS RD HARMONY FL 347736068, HARMONY, FL 34773-6068

Mortgage

Document Number	0052781648
Date	Feb 1, 2018
Book Page	005278/001648
Instrument	16869

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$14,116.00 (+8.02%) Homeowner's exemption	$746,300 (+3.41%) Land $80,000 Building $666,300	$746,300 (+3.41%) Land $80,000 Building $666,300
2023	$13,068.00 (+9.15%)	$721,700 (+9.98%) Land $70,000 Building $651,700	$721,700 (+9.98%) Land $70,000 Building $651,700
2022	$11,972.00	$656,200 Land $65,000 Building $591,200	$656,200 Land $65,000 Building $591,200

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 64 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

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	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach

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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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