8545 Couples St, Davenport, FL 33896 Property Records

Osceola County property record for 8545 Couples St, Davenport, FL 33896

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,912 sqft · built 2017
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Apr 2025)
Tax Bill	$4,582 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`322527563000010470`

Property Details

APN / Parcel Number

Primary APN	`322527563000010470`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,912 sqft Heated Area
Gross Area	2,345 sqft
1st Floor Area	791 sqft
Upper Floors Area	1,121 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Finished
Garage Area	398 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	35 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	8545 COUPLES ST
City	DAVENPORT
State	FL
Zip	33896-5503
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	VISTAS AT CHAMPIONSGATE PH 1B & 2 PB 25 PGS 7-14 LOT 47
Legal Range	27E
Legal Township	25S
Legal Section	32
Legal Subdivision	THE VISTAS AT CHAMPIONSGATE PH 1B & 2
Legal Phase	1B
Legal Tract	5630
Legal Lot Number	47
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	2
Census Block	2060
Census Tract	40812

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
Co-owner	Co-owner on Record
Mailing Address	8545 COUPLES ST, DAVENPORT, FL 33896-5503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Mar 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO
Mar 12, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2025 · Amount on Record
Deed Sale	Apr 10, 2025 · Amount on Record
Prior Sale	Mar 12, 2018 · Amount on Record
Deed Document Number	2025045734
Deed Book / Page	6769 / 2687
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 10, 2025
Property Address	8545 COUPLES ST, DAVENPORT, FL 33896-5503
Document Number	0067692687
Book / Page	6769 / 2687
Map Reference	MB 25 PG 7
Instrument Date	Mar 21, 2025
Instrument	2025045734
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12165 RYEGRASS TRL, ORLANDO, FL 32824-7424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8545 COUPLES ST, DAVENPORT, FL 33896-5503

Mortgage

Document Number	0067692664
Date	Apr 10, 2025
Instrument	6769/2664

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2055

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	8545 COUPLES ST, DAVENPORT, FL 33896-5503
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	AV FUERZAS ARMADAS, MARACAIBO XX

Mortgage

Document Number	0063720201
Date	Mar 16, 2023
Book Page	6372/201
Instrument	2023030200

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.62%
Type Change Date	Apr 1, 2028
Change Frequency	6 Months
Min Rate At Change	8.62%
Max Rate At Change	10.6%
Index	Other
Max Rate	13.6%

March 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 12, 2018
Property Address	8545 COUPLES ST, CHAMPIONS GATE, FL 33896-5503
Document Number	0052992217
Book / Page	5299 / 2217
Map Reference	MB25 PG7
Instrument Date	Feb 20, 2018
Instrument	2018040610
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,754.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8545 COUPLES ST, DAVENPORT, FL 33896-5503

Mortgage

Document Number	2018040611
Date	Mar 12, 2018
Instrument	2018040611

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2023

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	$4,582.00 (+6.66%)	$285,900 (-4.09%) Land $42,000 Building $243,900	$285,900 (-4.09%) Land $42,000 Building $243,900
2023	$4,296.00 (+11.5%)	$298,100 (+16.72%) Land $23,600 Building $274,500	$298,100 (+16.72%) Land $23,600 Building $274,500
2022	$3,853.00	$255,400 Land $23,600 Building $231,800	$255,400 Land $23,600 Building $231,800

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 96 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% 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 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 155 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

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