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8965 Richmond Rd, Saint Cloud, FL 34773 Property Records

Osceola County property record for 8965 Richmond Rd, Saint Cloud, FL 34773 · Last verified July 2026

Property Highlights

Property TypeResidential > Prefabricated > Mobile Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 1991
Square Footage1,526 sqft Living Area
Lot Size51,575 sqft (1.18 acres)
GarageAttached, 864 sqft
Last Sale$235,000 (2024)
Tax Bill$3,611.00 (2025)

Property Details

APN / Parcel Number

Primary APN24-27-32-2735-0001-1390
Alternative APNs
  • 273224273500011390
  • 105655

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,526 sqft Living Area
Gross Area3,125 sqft Gross Area
1st Floor1,526 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleCustom Design Style
Exterior MaterialAluminum Siding Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area51,575 sqft (1.18 acres)
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area864 sqft Garage
Shed1 Shed
Shed Area200 sqft Shed
Porch Area735 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address8965 RICHMOND RD
CitySAINT CLOUD
StateFL
Zip34773-9640
Property UsageResidential Property Usage
TypeResidential > Prefabricated > Mobile Home
Legal DescriptionCANAVERAL ACRES IV PB 2 PG 020 LOT 139
Legal Range32E
Legal Township27S
Legal Section24
Legal SubdivisionCANAVERAL ACRES 4
Legal Tract2735
Legal Block1
Legal Lot Number139
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup3
Census Block3038
Census Tract43802

Owner

Source: Osceola County records · APN 24-27-32-2735-0001-1390

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address7013 FIVE OAKS DR, HARMONY, FL 34773-6004
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Warranty Deed, Transfer · Conventional Mortgage
DART BANK
Dec 02, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 12, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 12, 2021Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 03, 2024 · Amount on Record
Deed SaleSep 03, 2024 · Amount on Record
Prior SaleOct 12, 2021 · Amount on Record
Deed Doc Number2024113077
Deed Book / Page6658 / 1585
Prior Transfer DateJun 21, 2007
Prior Transfer Doc0036201745
Record RefreshedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 20, 2026
Property Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640
Document Number0000094146
Book / Page7005 / 2876
Instrument DateJul 16, 2026
Instrument202694146
Transaction TypeTransfer
Record UpdatedJul 30, 2026
Title CompanyOLD TAMPA BAY TITLE LLC, OLD TAMPA BAY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$212,100.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640

Mortgage

Document Number0000094147,
DateJul 20, 2026
Book Page7005/2878
Instrument202694147
Lender
NameDART BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeFixed Rate
Rate6.48%
Initial TypeFixed Rate
Max Rate-1%

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640
Transaction TypeMortgage
Record UpdatedAug 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3354 CAT BRIER TRL, HARMONY, FL 34773-6031

Mortgage

Document Number0060981411
DateDec 02, 2021
Book Page6098/1411
Instrument2021185732
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term358 Months
DueOct 01, 2051

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 12, 2021
Property Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640
Document Number0060631709
Book / Page6063 / 1709
Map ReferenceMB 2 PG 20
Instrument DateSep 27, 2021
Instrument2021158542
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
Address63 SIERRA ST, 63, BELMONT, NC 28012-2201

Transferred To (Grantee/Buyer)

NameVerified Name
Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640

Mortgage

Document Number0060631710
DateOct 12, 2021
Instrument6063/1710
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2051

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 12, 2021
Property Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640
Document Number0060631708
Book / Page6063 / 1708
Map ReferenceMB 2 PG 20
Instrument DateSep 16, 2021
Instrument2021158541
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8340 TODD CREEK CIR, 8340, WEST CHESTER, OH 45069-2136

Transferred To (Grantee/Buyer)

NameVerified Name
Address8965 RICHMOND RD, SAINT CLOUD, FL 34773-9640

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,611.00 (+25.03%)$209,200 (+21.77%) Land $50,000 Building $159,200$209,200 (+21.77%) Land $50,000 Building $159,200
2024$2,888.00 (+7.04%)
2023$2,698.00 (+18.59%)$171,800 (+41.28%) Land $45,000 Building $126,800$171,800 (+41.28%) Land $45,000 Building $126,800
2022$2,275.00$121,600 Land $31,500 Building $90,100$121,600 Land $31,500 Building $90,100

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskVery High
above 91% of the US · above 85% of Florida
Wildfire LikelihoodAbout 1 in 79 per year
ExposureDirect
burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values are read at the parcel center point; lenders make the official flood determination.

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