7175 Old Melbourne Hwy, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7175 Old Melbourne Hwy, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,080 sqft · built 2022
Lot Size	1.03 acres (44,866 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Aug 2021)
Tax Bill	$6,896 (2025)
Deeds & Mortgages	Aug 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-3427-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-3427-0001-0020`
Alternative APN	`263218342700010020`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,080 sqft Living Area
Gross Area	4,111 sqft
1st Floor Area	1,658 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,866 sqft (1.03 acres)
Garage Type	Attached
Garage Area	575 sqft
Porch	Finished/Open Porch
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	7175 OLD MELBOURNE HWY
City	SAINT CLOUD
State	FL
Zip	34771-7961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLINS RESERVE PB 30 PG 174 LOT 2
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	COLLINS RESERVE
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1000
Census Tract	43801

Owner

7175 Old Melbourne Hwy is owned and occupied by two individuals who bought it in August 2021.

Source: Osceola County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7175 OLD MELBOURNE HWY, SAINT CLOUD, FL 34771-7961
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on File
Deed Sale	Aug 24, 2021 · Amount on File
Deed Document Number	2021131628
Deed Book / Page	6029 / 1028
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 24, 2021
Property Address	7175 OLD MELBOURNE HWY, SAINT CLOUD, FL 34771-7961
Document Number	0060291028
Book / Page	6029 / 1028
Map Reference	MB 30 PG 174
Instrument Date	Aug 23, 2021
Instrument	2021131628
Transaction Type	Construction Loan
Record Updated	Jan 22, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$735.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7225 OLD MELBOURNE HWY, SAINT CLOUD, FL 34771-7961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4716 PRAIRIE POINT BLVD, KISSIMMEE, FL 34746-6353

Mortgage

Document Number	0060291029
Date	Aug 24, 2021
Instrument	6029/1029

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 7175 Old Melbourne Hwy was $6,896 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 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	$6,896.00 Homeowner's exemption	$487,200 Land $85,000 Building $402,200	$487,200 Land $85,000 Building $402,200
2023	$6,754.00 (+298.7%) Homeowner's exemption	$479,300 (+499.13%) Land $85,000 Building $394,300	$479,300 (+499.13%) Land $85,000 Building $394,300
2022	$1,694.00	$80,000 Land $80,000	$80,000 Land $80,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7175 Old Melbourne Hwy in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2002.

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 File 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

Wildfire risk around 7175 Old Melbourne Hwy is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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 · Fiber in parts of the area	1,000 / 1,000