1400 Hidden Oaks Bend, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1400 Hidden Oaks Bend, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,319 sqft · built 2000
Lot Size	0.512 acres (22,346 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (May 2020)
Tax Bill	$2,551 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`92919`

Property Details

APN / Parcel Number

Primary APN	`92919`
Alternative APNs	`312531016500010170` `312531331500010170`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,319 sqft Heated Area
Gross Area	3,176 sqft
1st Floor Area	2,319 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,346 sqft (0.512 acres)
Lot Dimensions	172 ft deep x 129 ft wide
Garage Type	Finished
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	408 sqft
Porch	Open Porch
Porch Area	328 sqft
Deck Area	957 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92919
Old Parcel Number	312531331500010170
Street Address	1400 HIDDEN OAKS BND
City	SAINT CLOUD
State	FL
Zip	34771-8406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	HIDDEN OAKS PB 10 PG 104 LOT 17
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	HIDDEN OAKS
Legal Tract	165
Legal Block	1
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1048
Census Tract	43600

Owner

1400 Hidden Oaks Bend is owned and occupied by an individual who bought it in May 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1400 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 29, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Prior Sale	Feb 2, 2000 · Amount on File
Deed Document Number	0005729773
Deed Book / Page	5729 / 773
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1400 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406

Mortgage

Document Number	0068990779
Date	Dec 29, 2025
Book Page	6899/779
Instrument	2025157553

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2036

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 29, 2020
Property Address	1400 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Document Number	0057290773
Book / Page	5729 / 773
Map Reference	MB 10 PG 104
Instrument Date	May 29, 2020
Instrument	2020069495
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3225 SONGBIRD CIR, 3225, SAINT CLOUD, FL 34773-6103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406

Mortgage

Document Number	0005729774
Date	May 29, 2020
Instrument	5729/774

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1400 Hidden Oaks Bend was $2,551 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,551.00 Homeowner's exemption	$185,440	$409,000 Land $85,000 Building $324,000
2023	$2,392.00 (+3.91%) Homeowner's exemption	$174,966 (+3%)	$396,500 (+24.69%) Land $80,000 Building $316,500
2022	$2,302.00 Homeowner's exemption	$169,870	$318,000 Land $75,000 Building $243,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1400 Hidden Oaks Bend in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 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

Wildfire risk around 1400 Hidden Oaks Bend is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.2% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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