Osceola County property record for 1413 Hidden Oaks Bend, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,367 sqft · built 2001 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $274,900 (Jul 2014) |
| Tax Bill | $4,881 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 92905 |
| Primary APN | 92905 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,367 sqft Heated Area |
| Gross Area | 3,275 sqft |
| 1st Floor Area | 2,367 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 207 ft deep x 105 ft wide |
| Garage Type | Finished |
| Garage Area | 516 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 750 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 392 sqft |
| Deck Area | 711 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92905 |
|---|---|
| Old Parcel Number | 312531331500010070 |
| Street Address | 1413 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 7 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | HIDDEN OAKS |
| Legal Tract | 165 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 1413 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2014 · Amount on Record |
| Deed Sale | Jul 22, 2014 · Amount on Record |
| Prior Sale | Jul 16, 2013 |
| Deed Document Number | 2014103336 |
| Deed Book / Page | 4639 / 1477 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1413 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1413 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8407 |
| Document Number | 0058462681 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 5846/2681 |
| Instrument | 2020166287 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2035 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,881.00 (+6.04%) Homeowner's exemption | $315,597 (+5.99%) | $442,500 (+3.27%) Land $85,000 Building $357,500 |
| 2023 | $4,603.00 (+7.75%) Homeowner's exemption | $297,770 (+6.65%) | $428,500 (+26.59%) Land $80,000 Building $348,500 |
| 2022 | $4,272.00 Homeowner's exemption | $279,195 | $338,500 Land $75,000 Building $263,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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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