1174 Playa del Sol Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1174 Playa del Sol Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,944 sqft · built 2018
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Jan 2021)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212531426400010250`

Property Details

APN / Parcel Number

Primary APN	`212531426400010250`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,944 sqft Heated Area
Gross Area	3,750 sqft
1st Floor Area	2,272 sqft
Upper Floors Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1174 PLAYA DEL SOL LN
City	SAINT CLOUD
State	FL
Zip	34771-7564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE DEL SOL PB 25 PGS 151-154 LOT 25
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE DEL SOL
Legal Tract	4264
Legal Lot Number	25
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

1174 Playa del Sol Ln is owned and occupied by an individual who bought it in January 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1174 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Warranty Deed, Transfer · VA Mortgage PENTAGON FCU
Mar 29, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Mar 29, 2019 · Amount on File
Deed Document Number	2021001993
Deed Book / Page	5865 / 2600
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2021
Property Address	1174 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564
Document Number	0058652600
Book / Page	5865 / 2600
Map Reference	MB 25 PG 151-154
Instrument Date	Dec 31, 2020
Instrument	2021001993
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 45, ENTERPRISE, UT 84725-0045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1174 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564

Mortgage

Document Number	0058652602
Date	Jan 6, 2021
Instrument	5865/2602

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 29, 2019
Property Address	1174 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564
Document Number	0054991243
Book / Page	5499 / 1243
Map Reference	MB 25 PG 151-154
Instrument Date	Mar 27, 2019
Instrument	2019039867
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	MI TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1174 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564

Mortgage

Document Number	2019039868
Date	Mar 29, 2019
Instrument	2019039868

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1174 Playa del Sol Ln was $712 with exemptions applied.

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	$712.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$391,407	$424,100 Land $75,000 Building $349,100
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$369,299 (+3%)	$481,800 (+20.72%) Land $60,000 Building $421,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$358,543	$399,100 Land $50,000 Building $349,100

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

Flood

FEMA maps place 1174 Playa del Sol Ln in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1174 Playa del Sol Ln is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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