1186 Eden Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1186 Eden Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,153 sqft · built 2002
Lot Size	0.222 acres (9,670 sqft)
Owner	Company Name on Record
Last Sale	$319,300 (Aug 2021)
Tax Bill	$4,212 (2025)
Deeds & Mortgages	Aug 2021 Sale Apr 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`26-25-31-4370-0001-1400`

Property Details

APN / Parcel Number

Primary APN	`26-25-31-4370-0001-1400`
Alternative APNs	`253126437000011400` `92334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,153 sqft Living Area
Gross Area	1,672 sqft
1st Floor Area	1,153 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,670 sqft (0.222 acres)
Lot Dimensions	115 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	36 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1186 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 UNIT 11 & 14 PB 1 PG 353 LOT 140
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON THE LAKES UNITS 11 AND 14 RE
Legal Tract	4370
Legal Block	1400
Legal Lot Number	140
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1065
Census Tract	43700

Owner

Source: Osceola County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5001 PLAZA ON THE LK, 200, AUSTIN, TX 78746-1053
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Special Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Apr 20, 2021	Warranty Deed, Transfer BCHH INC
Mar 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 27, 2017	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	2021134554
Deed Book / Page	6032 / 2764
Record Updated	Jun 8, 2026

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2021
Property Address	1186 EDEN DR, SAINT CLOUD, FL 34771-9608
Document Number	0060322764
Book / Page	6032 / 2764
Map Reference	MB 1 PG 353&354
Instrument Date	Aug 25, 2021
Instrument	2021134554
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$2,235.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 PLAZA ON THE LK STE 200, 5001, AUSTIN, TX 78746-1053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2021
Property Address	1186 EDEN DR, SAINT CLOUD, FL 34771-9608
Document Number	0059400477
Book / Page	5940 / 477
Map Reference	MB 1 PG 353&354
Instrument Date	Apr 16, 2021
Instrument	2021060031
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	BCHH INC

Transaction

Amount	Amount Recorded
Tax	$1,708.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16201 HIGHWAY 145, 16201, SHELBY, AL 35143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
Investor	Possibly a Property Investor

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1186 EDEN DR, SAINT CLOUD, FL 34771-9608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054980869
Date	Mar 28, 2019
Book Page	5498/0869
Instrument	2019038905

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2017
Property Address	1186 EDEN DR, SAINT CLOUD, FL 34771-9608
Document Number	0052590747
Book / Page	5259 / 0747
Map Reference	MB1 PG353&354
Instrument Date	Dec 21, 2017
Instrument	2017183056
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,099.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6348 BONNIE CT, SAINT CLOUD, FL 34771-9480

Mortgage

Document Number	2017183057
Date	Dec 27, 2017
Instrument	2017183057

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,212.00 (+6.71%)	$252,600 (+2.06%) Land $35,000 Building $217,600	$252,600 (+2.06%) Land $35,000 Building $217,600
2024	$3,947.00 (+4.58%)
2023	$3,774.00 (+15.59%)	$247,500 (+28.64%) Land $35,000 Building $212,500	$247,500 (+28.64%) Land $35,000 Building $212,500
2022	$3,265.00	$192,400 Land $35,000 Building $157,400	$192,400 Land $35,000 Building $157,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
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 84% of the US · above 75% of Florida
Wildfire Likelihood	0.9% 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

4G LTE (outdoors only), no 5G reported

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