1406 Mount Royal Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1406 Mount Royal Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.08 acres (3,484 sqft)
Owner	Individual Name on Record
Last Sale	$364,990 (May 2026)
Tax Bill	$267 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-25-31-0943-0001-0870`

Property Details

APN / Parcel Number

Primary APN	`32-25-31-0943-0001-0870`
Alternative APN	`253132094300010870`

Exterior

Lot Area	3,484 sqft (0.08 acres)

Location & Zoning

Street Address	1406 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 87
Legal Subdivision	CENTER LAKE ON THE PARK
Legal Lot Number	87
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43700

Owner

Source: Osceola County records, as of May 12, 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	1406 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Deed Document Number	202658388
Deed Book / Page	6965 / 1788
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2026
Property Address	1406 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212
Document Number	0000058388
Book / Page	6965 / 1788
Instrument Date	May 1, 2026
Instrument	2026.58388
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	MI TITLE, M/I TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258,047.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1406 MOUNT ROYAL DR, SAINT CLOUD, FL 34771-6212

Mortgage

Document Number	0000058389,
Date	May 4, 2026
Instrument	2026..58389

Lender

Name	OMNI FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

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		$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.

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 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.

Wildfire

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.

Drinking Water

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

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.

Internet Providers

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