Osceola County property record for 1116 Eden Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,371 sqft · built 2003 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $354,000 (Apr 2021) |
| Tax Bill | $4,270 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 92261 |
| Primary APN | 92261 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,371 sqft Heated Area |
| Gross Area | 2,124 sqft |
| 1st Floor Area | 1,371 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.319 acres) |
| Lot Dimensions | 138 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 900 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 220 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 333 sqft |
| Deck Area | 555 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92261 |
|---|---|
| Street Address | 1116 EDEN DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS3 |
| Legal Description | REPLAT NEW EDEN UNITS 11 & 14 PB 1 PG 353 & 354 LOT 61 & N 57.3 MOL OF LOT 62 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 26 |
| Legal Subdivision | NEW EDEN ON LK 11&14 |
| Legal Tract | 4370 |
| Legal Block | 1 |
| Legal Lot Number | 61-62 |
| Legal Unit | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 43700 |
Source: Osceola County records · APN 92261
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 | 1116 EDEN DR, SAINT CLOUD, FL 34771-9600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| Apr 15, 2021 | Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC |
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 15, 2021 · Amount on Record |
| Deed Sale | Apr 15, 2021 · Amount on Record |
| Prior Sale | Aug 26, 2014 · Amount on Record |
| Deed Document Number | 2021056957 |
| Deed Book / Page | 5936 / 669 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1116 EDEN DR, SAINT CLOUD, FL 34771-9600 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1116 EDEN DR, SAINT CLOUD, FL 34771-9600 |
| Document Number | 0062690133 |
|---|---|
| Date | Aug 15, 2022 |
| Book Page | 6269/133 |
| Instrument | 2022124850 |
| Name | UNITED TRUST BANK |
|---|---|
| Type | Bank |
| Address | PALOS HEIGHTS, IL 60463 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 15, 2021 |
| Property Address | 1116 EDEN DR, SAINT CLOUD, FL 34771-9600 |
| Document Number | 0059360669 |
| Book / Page | 5936 / 669 |
| Map Reference | MB 1 PG 353&354 |
| Instrument Date | Apr 14, 2021 |
| Instrument | 2021056957 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,478.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2585 CHEROKEE RD, 2585, SAINT CLOUD, FL 34772-7434 |
| Name | Verified Name |
|---|---|
| Address | 1116 EDEN DR, SAINT CLOUD, FL 34771-9600 |
| Document Number | 5936671 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 5936/671 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1116 EDEN DR, SAINT CLOUD, FL 34771-9600 |
| Document Number | 0057281970 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1116 EDEN DR ST CLOUD FL 347719600, ST CLOUD, FL 34771-9600 |
| Document Number | 0057281970 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 005728/001970 |
| Instrument | 69081 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 27, 2035 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,270.00 (+7.34%) Homeowner's exemption | $297,634 (+6.09%) | $345,800 (+2.34%) Land $55,000 Building $290,800 |
| 2023 | $3,978.00 (+12.79%) Homeowner's exemption | $280,539 (+11.64%) | $337,900 (+34.46%) Land $55,000 Building $282,900 |
| 2022 | $3,527.00 Homeowner's exemption | $251,300 Land $55,000 Building $196,300 | $251,300 Land $55,000 Building $196,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 224 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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