1135 Eden Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1135 Eden Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,378 sqft · built 1988
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (May 2021)
Tax Bill	$3,356 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2625314410000B0090`

Property Details

APN / Parcel Number

Primary APN	`2625314410000B0090`
Alternative APN	`92382`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,378 sqft Heated Area
1st Floor Area	1,378 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92382
Street Address	1135 EDEN DR
City	SAINT CLOUD
State	FL
Zip	34771-8663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	NEW EDEN ON THE LAKES UNIT A PB 2 PG 026 BLK B LOT 9
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON LK UN A
Legal Tract	4410
Legal Block	B
Legal Lot Number	9
Legal Unit	A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1046
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1135 EDEN DR, SAINT CLOUD, FL 34771-8663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Warranty Deed, Transfer · FHA Mortgage EMM LOANS LLC
Jan 7, 2021	Warranty Deed, Transfer OS NATIONAL LLC
Feb 4, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	Jan 7, 2021 · Amount on Record
Deed Document Number	2021076833
Deed Book / Page	5961 / 1196
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 19, 2021
Property Address	1135 EDEN DR, SAINT CLOUD, FL 34771-8663
Document Number	0059611196
Book / Page	5961 / 1196
Map Reference	MB 2 PG 26&27
Instrument Date	May 14, 2021
Instrument	2021076833
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
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	1135 EDEN DR, SAINT CLOUD, FL 34771-8663

Mortgage

Document Number	0059611198
Date	May 19, 2021
Instrument	5961/1198

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 7, 2021
Property Address	1135 EDEN DR, SAINT CLOUD, FL 34771-8663
Document Number	0058661929
Book / Page	5866 / 1929
Map Reference	MB 2 PG 26&27
Instrument Date	Jan 2, 2021
Instrument	2021002584
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,558.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	570 ACADEMY DR APT 103, 570, KISSIMMEE, FL 34744-8639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 POST ST FL 11, 11, SAN FRANCISCO, CA 94104-5215
Investor	Possibly a Property Investor

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1135 EDEN DR, SAINT CLOUD, FL 34771-8663
Document Number	0054742462
Instrument Date	Feb 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1135 EDEN DR ST CLOUD FL 347718663, ST CLOUD, FL 34771-8663

Mortgage

Document Number	0054742462
Date	Feb 8, 2019
Book Page	005474/002462
Instrument	17153

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 7, 2034

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,356.00 (+6.68%) Homeowner's exemption	$231,655 (+4.84%)	$236,900 (+3.77%) Land $50,000 Building $186,900
2023	$3,146.00 (+7.96%) Homeowner's exemption	$220,961 (+6.54%)	$228,300 (+10.08%) Land $45,000 Building $183,300
2022	$2,914.00 Homeowner's exemption	$207,400 Land $40,000 Building $167,400	$207,400 Land $40,000 Building $167,400

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	1% 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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