Osceola County property record for 1386 Mount Royal Dr, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $373,990 (May 2026) |
| Tax Bill | $267 (2024) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-25-31-0943-0001-0920 |
| Primary APN | 32-25-31-0943-0001-0920 |
|---|---|
| Alternative APN |
|
| Lot Area | 4,356 sqft (0.1 acres) |
|---|
| Street Address | 1386 MOUNT ROYAL DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-6212 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | CENTER LAKE ON THE PARK PB 35 PGS 74-79 LOT 92 |
| Legal Subdivision | CENTER LAKE ON THE PARK |
| Legal Lot Number | 92 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43700 |
Source: Osceola County records, as of May 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1386 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| May 1, 2026 | Warranty Deed · Conventional Mortgage OMNI FINANCIAL LLC |
| May 1, 2026 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MI FINANCIAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Deed Document Number | 202657653 |
| Deed Book / Page | 6964 / 2217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 1, 2026 |
| Property Address | 1386 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212 |
| Document Number | 0000057653 |
| Book / Page | 6964 / 2217 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.57653 |
| Record Updated | May 12, 2026 |
| Title Company | MI TITLE, M/I TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264,410.93 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1386 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212 |
| Document Number | 0000057654, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026..57654 |
| Name | OMNI FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 1, 2026 |
| Property Address | 1386 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212 |
| Document Number | 0069642217 |
| Book / Page | 6964 / 2217 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202657653 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | M/I TITLE LLC, M/I TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264,410.93 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1386 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212 |
| Document Number | 0000057654, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 202657654 |
| Name | MI FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $30,000 Land $30,000 | $30,000 Land $30,000 | |
| 2024 | $267.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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