Osceola County property record for 1166 Eden Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1975 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,000 (Mar 2015) |
| Tax Bill | $3,997 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 92308 |
| Primary APN | 92308 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Heated Area |
| Gross Area | 2,762 sqft |
| 1st Floor Area | 1,172 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 130 ft deep x 115 ft wide |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 796 sqft |
| Fence | Fence |
| Utility Building | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92308 |
|---|---|
| Street Address | 1166 EDEN DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9608 |
| 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 LOTS 111 & 112 |
| 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 | 111-112 112 |
| Legal Unit | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 43700 |
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 |
|---|---|
| Mailing Address | 1166 EDEN DR, SAINT CLOUD, FL 34771-9608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 12, 2018 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2015 · Amount on Record |
| Deed Sale | Mar 16, 2015 · Amount on Record |
| Deed Document Number | 2015037105 |
| Deed Book / Page | 4749 / 0830 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1166 EDEN DR, SAINT CLOUD, FL 34771-9608 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1166 EDEN DR, SAINT CLOUD, FL 34771-9608 |
| Document Number | 0065772068 |
|---|---|
| Date | Apr 5, 2024 |
| Book Page | 6577/2068 |
| Instrument | 2024043534 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | 1 CITIZENS PLZ, PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 27, 2049 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1166 EDEN DR, SAINT CLOUD, FL 34771-9608 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1166 EDEN DR, SAINT CLOUD, FL 34771-9608 |
| Document Number | 0059632363 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 5963/2363 |
| Instrument | 2021079098 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1166 EDEN DR, SAINT CLOUD, FL 34771-9608 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053991377 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 5399/1377 |
| Instrument | 2018136813 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,997.00 (+10.9%) | $237,100 (+2.73%) Land $55,000 Building $182,100 | $237,100 (+2.73%) Land $55,000 Building $182,100 |
| 2023 | $3,604.00 (+13.26%) | $230,800 (+21.28%) Land $55,000 Building $175,800 | $230,800 (+21.28%) Land $55,000 Building $175,800 |
| 2022 | $3,182.00 | $190,300 Land $55,000 Building $135,300 | $190,300 Land $55,000 Building $135,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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.
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 |
| 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.
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 |
5G and 4G LTE (outdoors only)
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