970 Cutke Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 970 Cutke Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	5 Baths
Year Built	Built 2020
Square Footage	2,986 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$725,000 (2024)
Tax Bill	$6,561.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`202531547700010230`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Partial Baths	1 Partial Baths
Building Area	2,986 sqft Heated Area
Gross Area	4,028 sqft Gross Area
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished Garage

Exterior Amenities

Pool Area	40 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft Shed
Deck Area	542 sqft Deck
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	970 CUTKE RD
City	SAINT CLOUD
State	FL
Zip	34771-9578
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WIGGINS RESERVE PB 27 PG 41 LOT 23
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Tract	5477
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 202531547700010230

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	970 CUTKE RD, SAINT CLOUD, FL 34771-9578
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	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Jan 03, 2020 · Amount on Record
Deed Doc Number	0006632402
Deed Book / Page	6632 / 402
Record Refreshed	Jun 08, 2026

January 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 03, 2020
Property Address	970 CUTKE RD, SAINT CLOUD, FL 34771-9578
Document Number	0056520608
Book / Page	5652 / 0608
Map Reference	MB 27 PG 41
Instrument Date	Dec 24, 2019
Instrument	2020001151
Transaction Type	Construction Loan
Record Updated	Aug 01, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$521.50
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	9028 DOWDEN RD, ORLANDO, FL 32827-6805

Mortgage

Document Number	0056520613
Date	Jan 03, 2020
Instrument	5652/0613

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jan 01, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

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 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	$6,561.00 (+956.52%) Homeowner's exemption	$463,033 (+17.83%)	$552,400 (+2.52%) Land $66,000 Building $486,400
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$392,957 (+3%)	$538,800 (+13.98%) Land $66,000 Building $472,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$381,512	$472,700 Land $66,000 Building $406,700

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.