981 Cutke Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 981 Cutke Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2020
Square Footage	1,897 sqft Heated Area
Lot Size	6,534 sqft (0.15 acres)
Occupancy	Owner Occupied
Last Sale	$315,300 (2020)
Tax Bill	$4,137.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`202531547700010170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	1,897 sqft Heated Area
Gross Area	2,629 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished Garage
Fence	Fence
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	981 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 17
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Tract	5477
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 202531547700010170

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	981 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	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Deed Doc Number	2020174454
Deed Book / Page	5857 / 519
Record Refreshed	Jun 08, 2026

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 23, 2020
Property Address	981 CUTKE RD, SAINT CLOUD, FL 34771-9579
Document Number	0058570519
Book / Page	5857 / 519
Map Reference	MB 27 PG 41
Instrument Date	Dec 21, 2020
Instrument	2020174454
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,207.10
Amount Accuracy	Rounded Values by County
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	981 CUTKE RD, SAINT CLOUD, FL 34771-9579

Mortgage

Document Number	0005857520
Date	Dec 23, 2020
Instrument	5857/520

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

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	$4,137.00 (+7.29%) Homeowner's exemption	$288,074 (+5.99%)	$381,600 (+1.73%) Land $60,000 Building $321,600
2023	$3,856.00 (+4.13%) Homeowner's exemption	$271,802 (+3%)	$375,100 (+14.57%) Land $60,000 Building $315,100
2022	$3,703.00 Homeowner's exemption	$263,886	$327,400 Land $60,000 Building $267,400

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.