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1186 Laguna Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1186 Laguna Cir, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,541 sqft · built 1982
Lot Size0.46 acres (20,038 sqft)
OwnerIndividual Name on Record
Last Sale$475,000 (Feb 2026)
Tax Bill$4,808 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN2625314420000E0050

Property Details

APN / Parcel Number

Primary APN2625314420000E0050
Alternative APN
  • 92505

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,541 sqft Heated Area
Gross Area2,369 sqft
1st Floor Area1,541 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1982
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area20,038 sqft (0.46 acres)
Lot Dimensions200 ft deep x 100 ft wide
Garage TypeFinished
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area300 sqft
Deck Area480 sqft
Patio Area400 sqft
Boat AccessBoat Access
Boat House200 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number92505
Street Address1186 LAGUNA CIR
CitySAINT CLOUD
StateFL
Zip34771-9485
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS3
Legal DescriptionNEW EDEN ON THE LAKES UNIT C PB 2 PG 28 LOT E
Legal Range31E
Legal Township25S
Legal Section26
Legal SubdivisionNEW EDEN ON LK 11&14
Legal Tract4420
Legal BlockE
Legal Lot NumberE
Legal UnitC
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1066
Census Tract43700

Owner

Source: Osceola County records, as of March 20, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address1186 LAGUNA CIR, SAINT CLOUD, FL 34771-9485
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 20, 2026 · Amount on Record
Deed SaleFeb 20, 2026 · Amount on Record
Deed Document Number2026024271
Deed Book / Page6926 / 1864
Record UpdatedJun 8, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 20, 2026
Property Address1186 LAGUNA CIR, SAINT CLOUD, FL 34771-9485
Document Number0069261864
Book / Page6926 / 1864
Map ReferenceMB 2 PG 28
Instrument DateFeb 17, 2026
Instrument2026024271
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,325.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1187 LAGUNA CIR, SAINT CLOUD, FL 34771-9485

Transferred To (Grantee/Buyer)

NameVerified Name
Address1186 LAGUNA CIR, SAINT CLOUD, FL 34771-9485
InvestorPossibly a Property Investor

Mortgage

Document Number0069261866
DateFeb 20, 2026
Instrument6926/1866
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2056

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,808.00 (+242.45%)$295,600 (+105.57%) Land $85,800 Building $209,800$295,600 (+2.75%) Land $85,800 Building $209,800
2023$1,404.00 (+3.08%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed$143,795 (+3%)$287,700 (+22.37%) Land $85,800 Building $201,900
2022$1,362.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed$139,607$235,100 Land $85,800 Building $149,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation66.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskHigh
above 81% of the US · above 71% of Florida
Wildfire Likelihood0.6% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTWA SUNBRIDGE WATER TREATMENT PLANT
public/private · serves 542 people · EPA ID FL3494439
Water SourceGroundwater
Last State InspectionJan 2025
Also Mapped HereTOHO WATER AUTHORITY-POINCIANA SYSTEM
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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