Osceola County property record for 9440 Concord Rd, Saint Cloud, FL 34773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,819 sqft · built 2024 |
| Lot Size | 0.924 acres (40,249 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Dec 2022) |
| Tax Bill | $5,248 (2025) |
| Deeds & Mortgages | Oct 2023 Construction Loan Dec 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-27-33-2730-0001-0300 |
| Primary APN | 19-27-33-2730-0001-0300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| Gross Area | 2,581 sqft |
| 1st Floor Area | 1,819 sqft |
| Flooring | Tile |
| Interior Walls | Paneling |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 40,249 sqft (0.924 acres) |
| Garage Type | Carport |
| Garage Area | 441 sqft |
| Carport | Carport |
| Carport Area | 441 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Deck Area | 80 sqft |
| Patio Area | 315 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Heating System | HVAC |
|---|
| Street Address | 9440 CONCORD RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34773-9650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | CANAVERAL ACRES NO 3 PB 2 PG 019 LOT 30 |
| Legal Range | 33E |
| Legal Township | 27S |
| Legal Section | 19 |
| Legal Subdivision | CANAVERAL ACRES 3 |
| Legal Tract | 2730 |
| Legal Block | 300 |
| Legal Lot Number | 30 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 43802 |
Source: Osceola County records · APN 19-27-33-2730-0001-0300
Assessment roll updated November 26, 2025 · Last verified April 2026
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 |
|---|---|
| Mailing Address | 4226 MAYWOOD ST, PHILADELPHIA, PA 19124-4918 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 09, 2023 | Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK |
| Dec 13, 2022 | Warranty Deed, Transfer UNKNOWN, VIDCLOSE INC |
| Jul 15, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on Record |
| Deed Sale | Dec 13, 2022 · Amount on Record |
| Prior Sale | Jul 15, 2021 · Amount on Record |
| Deed Document Number | 2022178464 |
| Deed Book / Page | 6329 / 616 |
| Prior Transfer Date | Feb 26, 2014 |
| Prior Transfer Doc | 0045750926 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 9440 CONCORD RD, SAINT CLOUD, FL 34773-9650 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4226 MAYWOOD ST, PHILADELPHIA, PA 19124-4918 |
| Document Number | 0064862982 |
|---|---|
| Date | Oct 09, 2023 |
| Book Page | 6486/2982 |
| Instrument | 2023132880 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 9.75% |
| Index | 1-Year T-Bill |
| Max Rate | 13.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 13, 2022 |
| Property Address | 9440 CONCORD RD, SAINT CLOUD, FL 34773-9650 |
| Document Number | 0063290616 |
| Book / Page | 6329 / 616 |
| Map Reference | MB 2 PG 19 |
| Instrument Date | Dec 12, 2022 |
| Instrument | 2022178464 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, VIDCLOSE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $735.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11586 BLACKMOOR DR, ORLANDO, FL 32837-5766 |
| Name | Verified Name |
|---|---|
| Address | 4226 MAYWOOD ST, PHILADELPHIA, PA 19124-4918 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 15, 2021 |
| Property Address | 9440 CONCORD RD, SAINT CLOUD, FL 34773-9650 |
| Document Number | 0060021866 |
| Book / Page | 6002 / 1866 |
| Map Reference | MB 2 PG 19 |
| Instrument Date | Jul 09, 2021 |
| Instrument | 2021109661 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $420.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5015 APOLLO AVE, SAINT CLOUD, FL 34773-9414 |
| Name | Verified Name |
|---|---|
| Address | 9440 CONCORD RD, SAINT CLOUD, FL 34773-9650 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,248.00 (+169.54%) | $328,600 (+262.29%) Land $50,000 Building $278,600 | $328,600 (+262.29%) Land $50,000 Building $278,600 |
| 2024 | $1,947.00 (+3.4%) | ||
| 2023 | $1,883.00 (+29.15%) | $90,700 (+43.29%) Land $45,000 Building $45,700 | $90,700 (+43.29%) Land $45,000 Building $45,700 |
| 2022 | $1,458.00 | $63,300 Land $31,500 Building $31,800 | $63,300 Land $31,500 Building $31,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 82 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force |
| Wildfire Risk | Very High above 91% of the US · above 86% of Florida |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 33 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures