Osceola County property record for 1186 Playa del Sol Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,092 sqft Heated Area |
| Lot Size | 6,098 sqft (0.139 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $283,800 (2018) |
| Tax Bill | $4,320.00 (2025) |
| Primary APN | 212531426400010220 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,092 sqft Heated Area |
| Gross Area | 2,687 sqft Gross Area |
| 1st Floor | 2,092 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.139 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Porch | Open Porch |
| Porch Area | 175 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1186 PLAYA DEL SOL LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7564 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NARCOOSSEE DEL SOL PB 25 PGS 151-154 LOT 22 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | NARCOOSSEE DEL SOL |
| Legal Tract | 4264 |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 212531426400010220
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 | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 28, 2023 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Feb 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage REALFI HOME FUNDING CORP |
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 01, 2018 | Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage M&I FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 01, 2018 · Amount on Record |
| Deed Sale | Aug 01, 2018 · Amount on Record |
| Deed Doc Number | 2018117196 |
| Deed Book / Page | 5377 / 0752 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Document Number | 0064321302 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 6432/1302 |
| Instrument | 2023083745 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jun 27, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Document Number | 0061530406 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | 6153/406 |
| Instrument | 2022026853 |
| Name | REALFI HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | WEST HARRISON, NY 10604 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057271960 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 5727/1960 |
| Instrument | 2020068332 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 01, 2018 |
| Property Address | 1186 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7564 |
| Document Number | 0053770752 |
| Book / Page | 005377 / 000752 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 117196 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | M/I TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,986.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1186 PLAYA DEL SOL LN ST CLOUD FL 347717564, ST CLOUD, FL 34771-7564 |
| Document Number | 53770753 |
|---|---|
| Date | Aug 01, 2018 |
| Book Page | 005377/000753 |
| Instrument | 117197 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,320.00 (+7.2%) Homeowner's exemption | $301,230 (+5.99%) | $372,700 (+0.62%) Land $75,000 Building $297,700 |
| 2023 | $4,030.00 (+4.11%) Homeowner's exemption | $284,215 (+3%) | $370,400 (+20.81%) Land $60,000 Building $310,400 |
| 2022 | $3,871.00 Homeowner's exemption | $275,937 | $306,600 Land $50,000 Building $256,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 62% of the US · above 36% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 483 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.
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