1401 Hidden Oaks Bend, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1401 Hidden Oaks Bend, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,480 sqft · built 2002
Lot Size	0.612 acres (26,658 sqft)
Owner	Individual Name on Record
Last Sale	$689,900 (Jul 2023)
Tax Bill	$6,651 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2023 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`31-25-31-0165-0001-0010`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0165-0001-0010`
Alternative APNs	`312531331500010010` `253131016500010010` `92899`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,480 sqft Living Area
Gross Area	3,252 sqft
1st Floor Area	2,216 sqft
Attic	Attic
Attic Area	264 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,658 sqft (0.612 acres)
Lot Dimensions	204 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	312 sqft
Porch	Florida Room
Porch Area	564 sqft
Deck Area	888 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1401 HIDDEN OAKS BND
City	SAINT CLOUD
State	FL
Zip	34771-8407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	HIDDEN OAKS PB 10 PG 104 LOT 1
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	HIDDEN OAKS
Legal Tract	165
Legal Block	1
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1048
Census Tract	43600

Owner

Source: Osceola County records, as of August 7, 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	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jun 8, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 28, 2022	Intrafamily Transfer, Transfer
Dec 3, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Aug 8, 2019	Warranty Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Dec 3, 2019 · Amount on Record
Deed Document Number	202389892
Deed Book / Page	6439 / 1752
Prior Transfer Date	May 8, 2023
Prior Transfer Doc	0064211900
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 12, 2023
Property Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Document Number	0064391752
Book / Page	6439 / 1752
Map Reference	MB 10 PG 104
Instrument Date	Jul 11, 2023
Instrument	2023089892
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,829.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3789 MILNER RD, NEWARK, OH 43055-9304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407

Mortgage

Document Number	0064391753
Date	Jul 12, 2023
Instrument	6439/1753

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2023
Property Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Document Number	0064211900
Book / Page	6421 / 1900
Map Reference	MB 10 PG 104
Instrument Date	May 8, 2023
Instrument	2023074146
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2022
Property Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Document Number	0061802704
Book / Page	6180 / 2704
Map Reference	MB 10 PG 104
Instrument Date	Dec 3, 2021
Instrument	2022048733
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 3, 2019
Property Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Document Number	0056330229
Book / Page	005633 / 000229
Instrument Date	Nov 22, 2019
Instrument	155932
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,499.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2130 RIVERSIDE DR UPPER ARLINGTON OH 432214053, UPPER ARLINGTON, OH 43221-4053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2019
Property Address	1401 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Document Number	0055700819
Book / Page	5570 / 0819
Map Reference	MB 10 PG 104
Instrument Date	Aug 7, 2019
Instrument	2019102342
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	PLATINUM TITLE OF CENTRAL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2901 MILL RUN BLVD, 2901, KISSIMMEE, FL 34744-5022

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13818 ELIOT AVE, ORLANDO, FL 32827-7543

Mortgage

Document Number	0005570821
Date	Aug 8, 2019
Instrument	5570/821

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,651.00 (+1.68%)	$414,500 (+3.08%) Land $85,000 Building $329,500	$414,500 (+3.08%) Land $85,000 Building $329,500
2024	$6,541.00 (-1.52%)
2023	$6,642.00 (-21.75%)	$402,100 (+24.99%) Land $80,000 Building $322,100	$402,100 (+24.99%) Land $80,000 Building $322,100
2022	$8,488.00	$321,700 Land $75,000 Building $246,700	$321,700 Land $75,000 Building $246,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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