Osceola County property record for 1409 Starboard Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Other > Rural Improved / Non-Residential |
|---|---|
| Lot Size | 2,919 sqft (0.067 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $80,000 (2018) |
| Tax Bill | $1,208.00 (2025) |
| Primary APN | 93919 |
|---|---|
| Alternative APN |
|
| Lot Area | 2,919 sqft (0.067 acres) |
|---|
| Account Number | 93919 |
|---|---|
| Street Address | 1409 STARBOARD DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7424 |
| Property Usage | Other Property Usage |
| Type | Other > Rural Improved / Non-Residential |
| Legal Description | SHELTER COVE RESORT COND CB 1 PG 20 LOT 776 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 34 |
| Legal Subdivision | SHELTER COVE |
| Legal Tract | 4987 |
| Legal Block | 1 |
| Legal Lot Number | 776 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3037 |
| Census Tract | 43700 |
Source: Osceola County records · APN 93919
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1409 STARBOARD DR, SAINT CLOUD, FL 34771-7424 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 17, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Sep 27, 2019 | Deed of Trust, Mortgage CENTERSTATE BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 14, 2018 · Amount on Record |
| Deed Sale | Sep 14, 2018 · Amount on Record |
| Deed Doc Number | 0005402377 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1409 STARBOARD DR, SAINT CLOUD, FL 34771-7424 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054020378 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 5402/0378 |
| Instrument | 2018139934 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | DAVENPORT, FL 33837 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 29, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1409 STARBOARD DR, SAINT CLOUD, FL 34771-7424 |
| Document Number | 0055962654 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1409 STARBOARD DR ST CLOUD FL 347717424, ST CLOUD, FL 34771-7424 |
| Document Number | 0055962654 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 005596/002654 |
| Instrument | 125482 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | DAVENPORT, FL 33837 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Sep 26, 2039 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,208.00 (+17.28%) | $64,400 (+8.42%) Land $60,000 Building $4,400 | $64,400 (+8.42%) Land $60,000 Building $4,400 |
| 2023 | $1,030.00 (+6.3%) | $59,400 (-) Land $55,000 Building $4,400 | $59,400 (-) Land $55,000 Building $4,400 |
| 2022 | $969.00 | $59,400 Land $55,000 Building $4,400 | $59,400 Land $55,000 Building $4,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 442 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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