Osceola County property record for 9045 Concord Rd, Saint Cloud, FL 34773
| Property Type | Mobile Home |
|---|---|
| Details | 4 bd · 2 ba · 1,620 sqft · built 2004 |
| Lot Size | 0.93 acres (40,554 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Dec 2023) |
| Tax Bill | $3,706 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105535 |
| Primary APN | 105535 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Heated Area |
| 1st Floor Area | 1,620 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 40,554 sqft (0.93 acres) |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 105535 |
|---|---|
| Street Address | 9045 CONCORD RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-9620 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | OPUD |
| Legal Description | CANAVERAL ACRES NO 4 PB 2 PG 020 TRACT 14 |
| Legal Range | 32E |
| Legal Township | 27S |
| Legal Section | 24 |
| Legal Subdivision | CANAVERAL ACRES UN4 |
| Legal Tract | 14 |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 43802 |
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 |
|---|---|
| Mailing Address | 9045 CONCORD RD, SAINT CLOUD, FL 34773-9620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2023 | Warranty Deed, Transfer · FHA Mortgage CORNERSTONE FIRST MORTGAGE INC |
| Jun 29, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 5, 2022 | Warranty Deed, Transfer OLD TAMPA BAY TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2023 · Amount on Record |
| Deed Sale | Dec 14, 2023 · Amount on Record |
| Prior Sale | Jun 29, 2022 · Amount on Record |
| Deed Document Number | 2023163008 |
| Deed Book / Page | 6519 / 1441 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 14, 2023 |
| Property Address | 9045 CONCORD RD, SAINT CLOUD, FL 34773-9620 |
| Document Number | 0065191441 |
| Book / Page | 6519 / 1441 |
| Map Reference | MB 2 PG 20 |
| Instrument Date | Dec 7, 2023 |
| Instrument | 2023163008 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 CLIFTON DR, PATCHOGUE, NY 11772-4025 |
| Name | Verified Name |
|---|---|
| Address | 9045 CONCORD RD, SAINT CLOUD, FL 34773-9620 |
| Document Number | 0065191444 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | 6519/1444 |
| Name | CORNERSTONE FIRST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2022 |
| Property Address | 9045 CONCORD RD, SAINT CLOUD, FL 34773-9620 |
| Document Number | 0062422706 |
| Book / Page | 6242 / 2706 |
| Map Reference | MB 2 PG 20 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 2022101782 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,086.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13000 DEVONSHIRE RD, 13000, ORLANDO, FL 32832-6428 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9045 CONCORD RD, SAINT CLOUD, FL 34773-9620 |
| Document Number | 0062422708 |
|---|---|
| Date | Jun 29, 2022 |
| Instrument | 6242/2708 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 5, 2022 |
| Property Address | 9045 CONCORD RD, SAINT CLOUD, FL 34773-9620 |
| Document Number | 0061221595 |
| Book / Page | 6122 / 1595 |
| Map Reference | MB 2 PG 20 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022002312 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2022 |
| Title Company | OLD TAMPA BAY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,043.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | DRUMFORSKIE, BRIDGE OF, DE |
| Name | Verified Name |
|---|---|
| Address | 13000 DEVONSGIRE ROAD, ORLANDO, FL 32832-6428 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,706.00 (+22.59%) Homeowner's exemption | $256,941 (+49.38%) | $272,500 (+58.43%) Land $50,000 Building $222,500 |
| 2023 | $3,023.00 (+30.64%) | $172,000 (+38.26%) Land $45,000 Building $127,000 | $172,000 (+38.26%) Land $45,000 Building $127,000 |
| 2022 | $2,314.00 | $124,400 Land $31,500 Building $92,900 | $124,400 Land $31,500 Building $92,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 82 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 70% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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