1105 Craig Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1105 Craig Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,024 sqft · built 1993
Lot Size	0.258 acres (11,282 sqft)
Owner	Company Name on File
Tax Bill	$6,393 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`87506`

Property Details

APN / Parcel Number

Primary APN	`87506`
Alternative APN	`232630057200010030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,024 sqft Heated Area
Gross Area	2,828 sqft
1st Floor Area	2,024 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,282 sqft (0.258 acres)
Lot Dimensions	151 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	28 sqft
Porch	Open Porch
Porch Area	384 sqft
Deck Area	613 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87506
Street Address	1105 CRAIG CT
City	SAINT CLOUD
State	FL
Zip	34772-7308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOE CREEK WOODS UNIT 10 PB 7 PG 38 LOT 3
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS & CRYSTAL CREEK
Legal Tract	572
Legal Block	1
Legal Lot Number	3
Legal Unit	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 87506

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	Company Name on File
Mailing Address	600 GALLERIA PKWY SE STE 300, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 09, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 22, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Apr 07, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Aug 08, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 13, 2023
Deed Sale	Jun 13, 2023
Prior Sale	Apr 07, 2022 · Amount on Record
Deed Document Number	0064241336
Deed Book / Page	6256 / 117
Prior Transfer Date	Jul 22, 2022
Prior Transfer Doc	2022112923
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1105 CRAIG CT, SAINT CLOUD, FL 34772-7308
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 CRAIG CT, SAINT CLOUD, FL 34772-7308

Mortgage

Document Number	0058481858
Date	Dec 09, 2020
Book Page	5848/1858
Instrument	2020167635

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Sep 01, 2049

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2022
Property Address	1105 CRAIG CT, SAINT CLOUD, FL 34772-7308
Document Number	0062560117
Book / Page	6256 / 117
Map Reference	MB 7 PG 38
Instrument Date	Jul 07, 2022
Instrument	2022112923
Transaction Type	Transfer
Record Updated	Aug 03, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 07, 2022
Property Address	1105 CRAIG CT, SAINT CLOUD, FL 34772-7308
Document Number	0061891580
Book / Page	6189 / 1580
Map Reference	MB 7 PG 38
Instrument Date	Apr 01, 2022
Instrument	2022055542
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,811.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 JERSEY AVE, SAINT CLOUD, FL 34769-2736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 08, 2019
Property Address	1105 CRAIG CT, SAINT CLOUD, FL 34772-7308
Document Number	0055700897
Book / Page	5570 / 0897
Map Reference	MB 7 PG 38
Instrument Date	Aug 05, 2019
Instrument	2019102373
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1105 CRAIG CT, 1105, SAINT CLOUD, FL 34772-7308

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1105 CRAIG CT, SAINT CLOUD, FL 34772-7308

Mortgage

Document Number	0005570899
Date	Aug 08, 2019
Instrument	5570/899

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

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
Municipality	St. Cloud City
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	$6,393.00 (+0.05%)	$357,000 (+0.68%) Land $70,000 Building $287,000	$357,000 (+0.68%) Land $70,000 Building $287,000
2023	$6,390.00 (+85.81%)	$354,600 (+52.18%) Land $60,000 Building $294,600	$354,600 (+17.92%) Land $60,000 Building $294,600
2022	$3,439.00 Homeowner's exemption	$233,009	$300,700 Land $55,000 Building $245,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 14% of Florida
Wildfire Likelihood	About 1 in 1,563 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 351 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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