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Single Family ResidenceResidential
$525,126$234 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $239,000 on Apr 27, 2017

109 RACHEL LIN LN

SAINT CLOUD, FL 34771
4
Beds
2
Baths
2,248 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$525K
$490K low$560K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$239,000 · Apr 27, 2017
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$306,262
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$245,010
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.42%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$218,864
QUICKEN LNS · recorded Apr 27, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,108 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$285,904 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$277,847
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$422,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.54
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOsceola
Lot (acres)The size of the land the home sits on, from county records.0.26
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 280 ft²Porch · 308 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Narcoossee Elementary SchoolB
Elementary · Grades KG–5 · 2.4 mi
M
Narcoossee Middle SchoolB-
Middle · Grades 6–8 · 2.4 mi
H
Harmony High SchoolC+
High · Grades 9–12 · 9.2 mi

District: Osceola County School District

Neighborhood · ZIP 34771These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.121
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.32,736
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.250 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,584
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,946
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Rachel Lin Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 87% of homes in Osceola County
  • Costs more per square foot than 79% of homes in Osceola County
  • Bigger than 75% of homes in Osceola County
  • Has a bigger lot than 82% of homes in Osceola County
  • Older than 71% of homes in Saint Cloud 34771

What homes are worth in Saint Cloud 34771

Each bar is how many homes fall in that price range. The marker is this home.

This home
$271K$917K

This home is worth more than 71% of homes in Saint Cloud 34771.

How it measures up in Saint Cloud 34771

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34771.

Estimated value$525,126
CheaperTypical $446,013Pricier

Pricier than 71% of homes nearby

Price per ft²$234
CheaperTypical $209Pricier

Pricier than 74% of homes nearby

Living area2,248 ft²
SmallerTypical 2,054 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.26 ac
SmallerTypical 0.17 acBigger

Bigger than 72% of homes nearby

Year built2005
OlderTypical 2019Newer

Newer than 29% of homes nearby

How 109 Rachel Lin Ln ranks against every home in each area.
MeasureThis homeSaint Cloud 34771Osceola County
Estimated valuepricier than$525,12671% of homes87% of homes
Price per ft²pricier than$23474% of homes79% of homes
Living areabigger than2,248 ft²62% of homes75% of homes
Lot sizebigger than0.26 ac72% of homes82% of homes
Year builtnewer than200529% of homes54% of homes

About 109 Rachel Lin Ln

How much is 109 Rachel Lin Ln, Saint Cloud, FL worth?

The TopHap Estimate for 109 Rachel Lin Ln, Saint Cloud, FL is $525,126 as of Jul 14, 2026. The likely range is $490,301 to $559,951. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Rachel Lin Ln, Saint Cloud, FL last sell?

109 Rachel Lin Ln, Saint Cloud, FL last sold on Apr 27, 2017 for $239,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Rachel Lin Ln, Saint Cloud, FL?

109 Rachel Lin Ln, Saint Cloud, FL has 4 bedrooms, 2 bathrooms, 2,248 square feet of living space and a 0.26-acre lot.

When was 109 Rachel Lin Ln, Saint Cloud, FL built?

109 Rachel Lin Ln, Saint Cloud, FL was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 109 Rachel Lin Ln, Saint Cloud, FL?

109 Rachel Lin Ln, Saint Cloud, FL is assigned to Narcoossee Elementary School (elementary), rated B; Narcoossee Middle School (middle), rated B-; Harmony High School (high), rated C+. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Rachel Lin Ln, Saint Cloud, FL compare to other homes in Saint Cloud 34771?

Among the 15,575 homes in Saint Cloud 34771, it is worth more than 71% of them ($525,126 against a typical $446,013), its price per square foot is higher than 74% of them ($234 against a typical $209), it is bigger than 62% of them (2,248 ft² against a typical 2,054 ft²), its lot is bigger than 72% of them (0.26 ac against a typical 0.17 ac) and it is newer than 29% of them (2005 against a typical 2019). Measured against all of Osceola County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Rachel Lin Ln, Saint Cloud, FL?

The 2025 property tax bill for 109 Rachel Lin Ln, Saint Cloud, FL was $4,108. The county assessed it at $285,904.

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