1409 Hidden Oaks Bend, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1409 Hidden Oaks Bend, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,408 sqft · built 2001
Lot Size	0.826 acres (35,980 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Mar 2021)
Tax Bill	$7,476 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-0165-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0165-0001-0050`
Alternative APNs	`253131016500010050` `92903`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,408 sqft Living Area
Gross Area	3,388 sqft
1st Floor Area	1,502 sqft
Upper Floors Area	686 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2011
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,980 sqft (0.826 acres)
Lot Dimensions	302 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1409 HIDDEN OAKS BND
City	SAINT CLOUD
State	FL
Zip	34771-8407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN OAKS PB 10 PG 104 LOT 5
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	HIDDEN OAKS
Legal Tract	165
Legal Block	50
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1048
Census Tract	43600

Owner

1409 Hidden Oaks Bend is owned by two individuals who bought it in March 2021.

Source: Osceola County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1436 ALLERTON AVE, BRONX, NY 10469-5639
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
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2021 · Amount on File
Deed Sale	Mar 11, 2021 · Amount on File
Prior Sale	Mar 5, 2001 · Amount on File
Deed Document Number	202136527
Deed Book / Page	5910 / 102
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1409 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	GOLDSTAR TITLE, GOLD STAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1436 ALLERTON AVE, BRONX, NY 10469-5639

Mortgage

Document Number	0059850156
Date	Jun 21, 2021
Book Page	5985/156
Instrument	2021096211

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 11, 2021
Property Address	1409 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407
Document Number	0059100102
Book / Page	5910 / 102
Map Reference	MB 10 PG 104
Instrument Date	Mar 5, 2021
Instrument	2021036527
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1409 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1436 ALLESTON AVE, BRONX, NY 10469-5639

Mortgage

Document Number	0005910104
Date	Mar 11, 2021
Instrument	5910/104

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1409 Hidden Oaks Bend was $7,476, up 5.4% from the year before.

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	$7,476.00 (+5.38%)	$417,500 Land $85,000 Building $332,500	$417,500 Land $85,000 Building $332,500
2024	$7,094.00 (+11.49%)
2023	$6,363.00 (+14.75%)	$386,900 (+25.82%) Land $80,000 Building $306,900	$386,900 (+25.82%) Land $80,000 Building $306,900
2022	$5,545.00	$307,500 Land $75,000 Building $232,500	$307,500 Land $75,000 Building $232,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1409 Hidden Oaks Bend in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 1409 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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