9005 Concord Rd, Saint Cloud, FL 34773 Property Records

Osceola County property record for 9005 Concord Rd, Saint Cloud, FL 34773 · Last verified December 2025

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.919 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Sep 2024)
Tax Bill	$692 (2025)
Deeds & Mortgages	Oct 2024 Construction Loan Sep 2024 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`242732273500010070`

Property Details

APN / Parcel Number

Primary APN	`242732273500010070`

Exterior

Lot Area	40,075 sqft (0.919 acres)

Location & Zoning

Street Address	9005 CONCORD RD
City	SAINT CLOUD
State	FL
Zip	34773-9620
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	CANAVERAL ACRES NO 4 PB 2 PG 020 LOT 7
Legal Subdivision	CANAVERAL ACRES UN4
Legal Tract	7
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	3
Census Block	3035
Census Tract	43802

Owner

Source: Osceola County records · APN 242732273500010070

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	9445 HELENA DR, SAINT CLOUD, FL 34773-9605
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2024	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Sep 05, 2024	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Sep 18, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MIDFLORIDA CU
Nov 22, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
Dec 01, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
May 13, 2022	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Feb 07, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2024 · Amount on Record
Deed Sale	Sep 05, 2024 · Amount on Record
Prior Sale	Sep 18, 2023 · Amount on Record
Deed Document Number	2024114632
Deed Book / Page	6660 / 1806
Record Updated	Jun 08, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9445 HELENA DR, SAINT CLOUD, FL 34773-9605

Mortgage

Document Number	0066840877
Date	Oct 24, 2024
Book Page	6684/877
Instrument	2024135658

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Nov 01, 2030
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	12.8%
Index	1-Year T-Bill
Max Rate	12.8%

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 05, 2024
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Document Number	0066601806
Book / Page	6660 / 1806
Map Reference	MB 2 PG 20
Instrument Date	Aug 30, 2024
Instrument	2024114632
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5355 RAMBLING RD, SAINT CLOUD, FL 34771-9524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9445 HELENA DR, SAINT CLOUD, FL 34773-9605

Mortgage

Document Number	2024114633
Date	Sep 05, 2024
Instrument	2024114633

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2039

Interest

Rate Type	Adjustable Rate
Rate	8.87%
Type Change Date	Sep 01, 2029
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Max Rate	14.9%

September 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2023
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Document Number	0064750463
Book / Page	6475 / 463
Map Reference	MB 2 PG 20
Instrument Date	Sep 14, 2023
Instrument	2023122294
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13000 DEVONSHIRE RD, ORLANDO, FL 32832-6428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CONCORD RD, SAINT CLOUD, FL 34773

Mortgage

Document Number	0006475465
Date	Sep 18, 2023
Instrument	6475/465

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Oct 01, 2028

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 22, 2022
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Document Number	0063180969
Book / Page	6318 / 969
Map Reference	MB 2 PG 20
Instrument Date	Nov 18, 2022
Instrument	2022168857
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13000 DEVONSHIRE RD, ORLANDO, FL 32832-6428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130000 DEVONSHIRE ROAD, ORLANDO, FL 32832

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 01, 2022
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Document Number	0063230052
Book / Page	6323 / 52
Map Reference	MB 2 PG 20
Instrument Date	Nov 18, 2022
Instrument	2022172895
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13000 DEVONSHIRE RD, ORLANDO, FL 32832-6428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130000 DEVONSHIRE ROAD, ORLANDO, FL 32832

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 13, 2022
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Document Number	0062131615
Book / Page	6213 / 1615
Map Reference	MB 2 PG 20
Instrument Date	May 12, 2022
Instrument	2022076005
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$532.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1832 RED CANYON DR, KINDRED, FL 34744-6096

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13000 DEVONSHIRE RD, ORLANDO, FL 32832-6428

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 07, 2022
Property Address	9005 CONCORD RD, SAINT CLOUD, FL 34773-9620
Document Number	0061441583
Book / Page	6144 / 1583
Map Reference	MB 2 PG 20
Instrument Date	Feb 04, 2022
Instrument	2022019853
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130000 DEVONSHIRE RD, ORLANDO, FL 32832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 BILL BECK BLVD, KISSIMMEE, FL 34744-4401

Mortgage

Document Number	0061441585
Date	Feb 07, 2022
Instrument	6144/1585

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Mar 01, 2027

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$692.00 (+10.19%)	$50,000 (+11.11%) Land $50,000	$50,000 (+11.11%) Land $50,000
2023	$628.00 (+42.73%)	$45,000 (+42.86%) Land $45,000	$45,000 (+42.86%) Land $45,000
2022	$440.00	$31,500 Land $31,500	$31,500 Land $31,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Cost	Premium on Record median of 82 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	82 in force

Wildfire

Wildfire Risk	High above 83% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 128 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 121 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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