Osceola County property record for 829 McKay St, Saint Cloud, FL 34769 · Last verified May 2026
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 924 sqft · built 1988 |
| Lot Size | 0.243 acres (10,585 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Apr 2026) |
| Tax Bill | $2,499 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-26-30-4950-0001-3714 |
| Primary APN | 03-26-30-4950-0001-3714 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,585 sqft (0.243 acres) |
| Lot Dimensions | 150 ft deep x 70.5 ft wide |
| Porch | Unfinished Porch |
|---|---|
| Porch Area | 102 sqft |
| Deck Area | 36 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 829 MCKAY ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2053 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | S L & I C PB B PG 61-62 S 1/2 OF N 141 FT OF W 150 FT OF LOT 371 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 3714 |
| Legal Lot Number | 371 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-4950-0001-3714
Assessment roll updated November 26, 2025 · Last verified May 2026
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 |
|---|---|
| Mailing Address | 829 MCKAY ST, SAINT CLOUD, FL 34769-2053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jan 23, 2024 | Deed of Trust, Mortgage · Balloon Mortgage FASSETT ANTHONY & TAYLOR P A |
| Apr 09, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 09, 2026 · Amount on Record |
| Deed Sale | Apr 09, 2026 · Amount on Record |
| Prior Sale | Jul 03, 2024 · Amount on Record |
| Deed Document Number | 202647730 |
| Deed Book / Page | 6953 / 513 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 829 MCKAY ST, SAINT CLOUD, FL 34769-2053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 819 LOUISIANA AVE, SAINT CLOUD, FL 34769-3567 |
| Document Number | 0065380297 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | 6538/297 |
| Instrument | 2024009215 |
| Name | FASSETT ANTHONY & TAYLOR P A |
|---|---|
| Type | Non-Lending Institution |
| Address | ORLANDO, FL 32804 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 09, 2026 |
| Property Address | 829 MCKAY ST, SAINT CLOUD, FL 34769-2053 |
| Document Number | 0069530513 |
| Book / Page | 6953 / 513 |
| Instrument Date | Apr 07, 2026 |
| Instrument | 2026.47730 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $113,120.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 829 MCKAY ST, SAINT CLOUD, FL 34769-2053 |
| Document Number | 0000047731, |
|---|---|
| Date | Apr 09, 2026 |
| Book Page | 6953/515 |
| Instrument | 2026.47731 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| 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 | $2,499.00 (+0.28%) | $139,400 (+159.81%) Land $40,000 Building $99,400 | $139,400 (+13.33%) Land $40,000 Building $99,400 |
| 2024 | $2,492.00 (+548.96%) | ||
| 2023 | $384.00 (-15.97%) Homeowner's exemption Widower's exemption | $53,654 (+3%) | $123,000 (+33.41%) Land $35,000 Building $88,000 |
| 2022 | $457.00 Homeowner's exemption Widower's exemption | $52,092 | $92,200 Land $30,000 Building $62,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, 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 | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 71 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017, Hurricane Irma |
| Claims By Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 263 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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