961 Cutke Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 961 Cutke Rd, Saint Cloud, FL 34771 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3.5 Baths
Year Built	Built 2020
Square Footage	2,999 sqft Living Area
Lot Size	6,534 sqft (0.15 acres)
Occupancy	Owner Occupied
Last Sale	$67,000 (2019)
Tax Bill	$5,155.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5477-0001-0190`
Alternative APN	`253120547700010190`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,999 sqft Living Area
Gross Area	3,511 sqft Gross Area
1st Floor	1,916 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached Garage
Garage Area	462 sqft Garage

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	961 CUTKE RD
City	SAINT CLOUD
State	FL
Zip	34771-9579
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WIGGINS RESERVE PB 27 PG 41 LOT 19
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 20-25-31-5477-0001-0190

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 Record	2 Individual Names on File
Mailing Address	961 CUTKE RD, SAINT CLOUD, FL 34771-9579
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Deed Doc Number	2019148571
Deed Book / Page	5623 / 2550
Record Refreshed	Sep 20, 2026

November 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 14, 2019
Property Address	961 CUTKE RD, SAINT CLOUD, FL 34771-9579
Document Number	0056232550
Book / Page	5623 / 2550
Map Reference	MB 27 PG 41
Instrument Date	Nov 13, 2019
Instrument	2019148571
Transaction Type	Construction Loan
Record Updated	Aug 01, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Tax	$469.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5275 RAMBLING RD, SAINT CLOUD, FL 34771-9573

Mortgage

Document Number	0056232551
Date	Nov 14, 2019
Instrument	5623/2551

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Dec 01, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,155.00 (+6.86%) Homeowner's exemption	$361,499 (+5.99%)	$483,400 (+1.81%) Land $60,000 Building $423,400
2023	$4,824.00 (+3.9%) Homeowner's exemption	$341,079 (+3%)	$474,800 (+15.24%) Land $60,000 Building $414,800
2022	$4,643.00 Homeowner's exemption	$331,145	$412,000 Land $60,000 Building $352,000

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	About 1 in 340 per year
Exposure	Direct burnable vegetation at the parcel

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