Osceola County property record for 1195 Sunlight Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1987 |
| Square Footage | 3,270 sqft Heated Area |
| Lot Size | 226,076 sqft (5.19 acres) |
| Garage | Mixed, 960 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $6,676.00 (2025) |
| Primary APN | 92818 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,270 sqft Heated Area |
| Gross Area | 4,054 sqft Gross Area |
| 1st Floor | 3,270 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 226,076 sqft (5.19 acres) |
| Parking Spaces | 9 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 960 sqft Garage |
| Pool Area | 464 sqft Pool |
|---|---|
| Shed | 1 Shed |
| Shed Area | 336 sqft Shed |
| Deck Area | 988 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 784 sqft Porch |
| Pole Structure | 1,440 sqft Pole Structure |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 92818 |
|---|---|
| Street Address | 1195 SUNLIGHT CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9105 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | STARLINE ESTATES UNIT 2 PB 2 PG 220 LOT 11 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 29 |
| Legal Subdivision | STARLINE EST UN 2 |
| Legal Tract | 5144 |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3011 |
| Census Tract | 43700 |
Source: Osceola County records · APN 92818
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 | 1195 SUNLIGHT CT, SAINT CLOUD, FL 34771-9105 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 18, 2018 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) AD MORTGAGE LLC |
| Oct 04, 2019 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 23, 2024 |
| Deed Sale | Mar 23, 2024 |
| Prior Sale | Jun 21, 2005 · Amount on Record |
| Deed Doc Number | 2019128918 |
| Deed Book / Page | 5601 / 0515 |
| Prior Transfer Date | Oct 04, 2019 |
| Prior Transfer Doc | 2019128918 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1195 SUNLIGHT CT, SAINT CLOUD, FL 34771-9105 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | PROMINENT TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0052702965 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 5270/2965 |
| Instrument | 2018009450 |
| Name | AD MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | HOLLYWOOD, FL 33020 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Feb 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 9.75% |
| Index | 1-Year LIBOR |
| Margin | 5 |
| Max Rate | 12.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 04, 2019 |
| Property Address | 1195 SUNLIGHT CT, SAINT CLOUD, FL 34771-9105 |
| Document Number | 0056010515 |
| Book / Page | 005601 / 000515 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 128918 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2019 |
| Title Company | CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,815.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1195 SUNLIGHT CT ST CLOUD FL 347719105, ST CLOUD, FL 34771-9105 |
| Document Number | 56010517 |
|---|---|
| Date | Oct 04, 2019 |
| Book Page | 005601/000517 |
| Instrument | 128919 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 03, 2049 |
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 | $6,676.00 (+6.46%) Homeowner's exemption | $471,338 (+5.99%) | $682,200 (+28.96%) Land $342,500 Building $339,700 |
| 2023 | $6,271.00 (+3.67%) Homeowner's exemption | $444,714 (+3%) | $529,000 (+18.03%) Land $256,900 Building $272,100 |
| 2022 | $6,049.00 Homeowner's exemption | $431,762 | $448,200 Land $211,200 Building $237,000 |
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 | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 200 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures