118 Edgewater Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 118 Edgewater Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1983
Square Footage	1,117 sqft Heated Area
Lot Size	9,017 sqft (0.207 acres)
Garage	Finished, 504 sqft
Occupancy	Owner Occupied
Tax Bill	$1,165.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0126304920000B0050`
Alternative APN	`80996`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,117 sqft Heated Area
Gross Area	1,812 sqft Gross Area
1st Floor	1,117 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1983
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	9,017 sqft (0.207 acres)
Depth X Width	120 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	504 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Fence	Fence
Deck Area	386 sqft Deck
Porch	Open Porch
Porch Area	191 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	80996
Street Address	118 EDGEWATER DR
City	SAINT CLOUD
State	FL
Zip	34769-2521
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUNNYMEDE SHORES PB 1 PG 383 BLK B LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	RUNNYMEDE SHORES
Legal Tract	4920
Legal Block	B
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2028
Census Tract	43600

Owner

Source: Osceola County records · APN 0126304920000B0050

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
Mailing Address	118 EDGEWATER DR, SAINT CLOUD, FL 34769-2521
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 11, 1991
Deed Sale	Jun 11, 1991
Deed Doc Number	0010191546
Record Refreshed	Jun 08, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	118 EDGEWATER DR, SAINT CLOUD, FL 34769-2521
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053900651
Date	Aug 23, 2018
Book Page	5390/0651
Instrument	2018128860

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Aug 22, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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	$1,165.00 (+8.27%) Homeowner's exemption	$108,004 (+5.99%)	$262,500 (+11.23%) Land $65,000 Building $197,500
2023	$1,076.00 (+5.18%) Homeowner's exemption	$101,904 (+3%)	$236,000 (+24.54%) Land $60,000 Building $176,000
2022	$1,023.00 Homeowner's exemption	$98,936	$189,500 Land $45,000 Building $144,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	61.0 ft

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 18% of Florida
Wildfire Likelihood	About 1 in 980 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.