Osceola County property record for 9109 Atlas Dr, Saint Cloud, FL 34773
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 2005 |
| Lot Size | 0.817 acres (35,588 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Oct 2026) |
| Tax Bill | $821 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-27-32-2710-0001-2220 |
| Primary APN | 13-27-32-2710-0001-2220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 35,588 sqft (0.817 acres) |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 9109 ATLAS DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-9169 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | OPUD |
| Legal Description | CANAVERAL ACRES 1 PB 2 PG 017 LOT 222 |
| Legal Range | 32E |
| Legal Township | 27S |
| Legal Section | 13 |
| Legal Subdivision | CANAVERAL ACRES 1 |
| Legal Tract | 2710 |
| Legal Block | 2220 |
| Legal Lot Number | 222 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 43802 |
9109 Atlas Dr, a mobile home, is owned and occupied by two individuals who bought it in October 2026.
Source: Osceola County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9109 ATLAS DR, SAINT CLOUD, FL 34773-9169 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE |
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PATRIOT LENDING SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Prior Sale | Sep 15, 2004 · Amount on File |
| Deed Document Number | 2026127148 |
| Deed Book / Page | 7043 / 758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 9109 ATLAS DR, SAINT CLOUD, FL 34773-9169 |
| Document Number | 0000127148 |
| Book / Page | 7043 / 758 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026127148 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205,030.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9109 ATLAS DR, SAINT CLOUD, FL 34773-9169 |
| Document Number | 0000127149, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 2026127149 |
| Name | ATLANTIC BAY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000127150, |
|---|---|
| Date | Oct 1, 2026 |
| Book Page | 7043/784 |
| Instrument | 2026127150 |
| Name | HOUSING FINANCE CORPORATION FLORIDA |
|---|
| Amount | Amount on Record |
|---|
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 9109 ATLAS DR, SAINT CLOUD, FL 34773-9169 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9109 ATLAS DR, SAINT CLOUD, FL 34773-9169 |
| Document Number | 0059162869 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 5916/2869 |
| Instrument | 2021041805 |
| Name | PATRIOT LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
The 2025 property tax bill for 9109 Atlas Dr was $821.
Source: Osceola County assessment roll, as of November 26, 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 | $821.00 | $47,862 | $190,400 Land $50,000 Building $140,400 |
| 2023 | $903.00 (+7.63%) Homeowner's exemption | $45,160 (+3%) | $180,300 (+28.33%) Land $45,000 Building $135,300 |
| 2022 | $839.00 Homeowner's exemption | $43,845 | $140,500 Land $31,500 Building $109,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 9109 Atlas Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 9109 Atlas Dr is high, ranking above 77% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% 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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