1199 Eden Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1199 Eden Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,334 sqft · built 1982
Lot Size	0.305 acres (13,285 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (May 2024)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`26-25-31-4410-000J-0100`

Property Details

APN / Parcel Number

Primary APN	`26-25-31-4410-000J-0100`
Alternative APNs	`2531264410000J0100` `92479`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,334 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	1,646 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,285 sqft (0.305 acres)
Lot Dimensions	125 ft deep x 90.8 ft wide
Garage Area	480 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,078 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1199 EDEN DR
City	SAINT CLOUD
State	FL
Zip	34771-8662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	NEW EDEN ON THE LAKES UNIT A PB 2 PG 26 BLK J LOT 10 LESS BEG AT SW COR OF LOT 10, N 15 DEG E 32.36 FT TO POC CONC NELY, RAD 25 FT, CENT ANG 104 DEG ALONG CURVE 45.65 FT TO PT ON N R/W OF ADAM ST, W 32.36 FT TO POB & COM AT SW COR LOT 10 BLK J, N 15
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON THE LAKES UNIT A
Legal Tract	4410
Legal Block	J
Legal Lot Number	10
Legal Unit	A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1044
Census Tract	43700

Owner

Source: Osceola County records, as of July 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1199 EDEN DR, SAINT CLOUD, FL 34771-8662
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · VA Mortgage NONE LISTED ON DOCUMENT
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 19, 2017	Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2024 · Amount on Record
Deed Sale	May 20, 2024 · Amount on Record
Prior Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	202466400
Deed Book / Page	6603 / 735
Prior Transfer Date	May 10, 2016
Prior Transfer Doc	0049711321
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2026
Property Address	1199 EDEN DR, SAINT CLOUD, FL 34771-8662
Document Number	0000088862
Book / Page	7000 / 352
Instrument Date	Jun 30, 2026
Instrument	202688862
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1199 EDEN DR, SAINT CLOUD, FL 34771-8662
Investor	Possibly a Property Investor

Mortgage

Document Number	0000088862,
Date	Jul 7, 2026
Book Page	7000/352
Instrument	202688862

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2021
Property Address	1199 EDEN DR, SAINT CLOUD, FL 34771-8662
Document Number	0059390506
Book / Page	5939 / 506
Map Reference	MB 2 PG 26&27
Instrument Date	Apr 19, 2021
Instrument	2021059386
Transaction Type	Transfer
Record Updated	Jun 10, 2021
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 ROBINSON AVE, 900, SAINT CLOUD, FL 34769-2064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1199 EDEN DR, SAINT CLOUD, FL 34771-8662

Mortgage

Document Number	5939508
Date	Apr 20, 2021
Instrument	5939/508

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 19, 2017
Property Address	1199 EDEN DR, SAINT CLOUD, FL 34771-8662
Document Number	0051660055
Book / Page	005166 / 000055
Instrument Date	Jun 2, 2017
Instrument	88885
Transaction Type	Transfer
Record Updated	Aug 22, 2018
Title Company	THE CLOSING TABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1199 EDEN DR ST CLOUD FL 347718662, ST CLOUD, FL 34771-8662

Mortgage

Document Number	51660058
Date	Jun 19, 2017
Book Page	005166/000058
Instrument	88886

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2047

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	$3,920.00 (-8.96%)	$272,400 (+2.87%) Land $55,000 Building $217,400	$272,400 (+2.87%) Land $55,000 Building $217,400
2023	$4,306.00 (+9.85%)	$264,800 (+10.66%) Land $49,500 Building $215,300	$264,800 (+10.66%) Land $49,500 Building $215,300
2022	$3,920.00	$239,300 Land $44,000 Building $195,300	$239,300 Land $44,000 Building $195,300

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

Nearby Properties on Eden Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures