1040 Eden Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1040 Eden Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,481 sqft · built 2003
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jul 2017)
Tax Bill	$4,348 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-25-31-4370-0001-0030`

Property Details

APN / Parcel Number

Primary APN	`26-25-31-4370-0001-0030`
Alternative APNs	`253126437000010030` `92203`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,481 sqft Living Area
Gross Area	2,002 sqft
1st Floor Area	1,313 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	169 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	206 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1040 EDEN DR
City	SAINT CLOUD
State	FL
Zip	34771-8530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	REPLAT NEW EDEN UNIT 11 & 14 PB 1 PG 353 LOT 3
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON THE LAKES UNITS 11 AND 14 RE
Legal Tract	4370
Legal Block	30
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1051
Census Tract	43700

Owner

Source: Osceola County records, as of July 22, 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 Record
Mailing Address	1040 EDEN DR, SAINT CLOUD, FL 34771-8530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 11, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Mar 10, 2003 · Amount on Record
Deed Document Number	2017100276
Deed Book / Page	5177 / 59
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1040 EDEN DR, SAINT CLOUD, FL 34771-8530
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 EDEN DR, SAINT CLOUD, FL 34771-8530

Mortgage

Document Number	0061891822
Date	Apr 7, 2022
Book Page	6189/1822
Instrument	2022055622

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2052

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2017
Property Address	1040 EDEN DR, SAINT CLOUD, FL 34771-8530
Document Number	0051770059
Book / Page	005177 / 000059
Instrument Date	Jul 6, 2017
Instrument	100276
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 EDEN DR ST CLOUD FL 347718530, ST CLOUD, FL 34771-8530

Mortgage

Document Number	51770063
Date	Jul 11, 2017
Book Page	005177/000063
Instrument	100277

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,348.00 (+5.02%) Homeowner's exemption	$178,455 (+5.99%)	$287,000 (+2.03%) Land $43,800 Building $243,200
2023	$4,140.00 (+3.04%) Homeowner's exemption	$168,375 (+3%)	$281,300 (+27.98%) Land $43,800 Building $237,500
2022	$4,018.00 Homeowner's exemption	$163,471	$219,800 Land $43,800 Building $176,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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