1426 Hidden Oaks Bend, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1426 Hidden Oaks Bend, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,266 sqft · built 2001
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Mar 2022)
Tax Bill	$8,337 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2022 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`92914`

Property Details

APN / Parcel Number

Primary APN	`92914`
Alternative APNs	`312531016500010120` `312531331500010120`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,266 sqft Heated Area
Gross Area	4,528 sqft
1st Floor Area	2,770 sqft
Upper Floors Area	496 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	145 ft deep x 150 ft wide
Garage Type	Finished
Garage Area	722 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92914
Old Parcel Number	312531331500010120
Street Address	1426 HIDDEN OAKS BND
City	SAINT CLOUD
State	FL
Zip	34771-8406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	HIDDEN OAKS PB 10 PG 104 LOT 12
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	HIDDEN OAKS
Legal Tract	165
Legal Block	1
Legal Lot Number	12
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 December 11, 2025

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
Co-owner	Co-owner on Record
Mailing Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Mar 21, 2022	Warranty Deed, Transfer GOLD STAR TITLE AND ESCROW INC, GOLD STAR TITLE & ESCROW INC
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR
May 31, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	May 7, 2009 · Amount on Record
Deed Document Number	2022044149
Deed Book / Page	6175 / 1292
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406

Mortgage

Document Number	0068481338
Date	Sep 12, 2025
Book Page	6848/1338
Instrument	2025113495

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 21, 2022
Property Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Document Number	0061751292
Book / Page	6175 / 1292
Map Reference	MB 10 PG 104
Instrument Date	Mar 18, 2022
Instrument	2022044149
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	GOLD STAR TITLE AND ESCROW INC, GOLD STAR TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$4,620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Document Number	0056160261
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1426 HIDDEN OAKS BND ST CLOUD FL 347718406, ST CLOUD, FL 34771-8406

Mortgage

Document Number	0056160261
Date	Oct 31, 2019
Book Page	005616/000261
Instrument	141792

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 30, 2044

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1426 HIDDEN OAKS BND, SAINT CLOUD, FL 34771-8406
Document Number	0051630887
Book / Page	005163 / 000887
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1426 HIDDEN OAKS BND ST CLOUD FL 347718406, ST CLOUD, FL 34771-8406

Mortgage

Document Number	0051630887
Date	Jun 13, 2017
Book Page	005163/000887
Instrument	86008

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 12, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$8,337.00 (+3.33%) Homeowner's exemption	$508,689 (+2.9%)	$583,200 (+1.07%) Land $85,000 Building $498,200
2024	$8,068.00 (+2.33%) Homeowner's exemption	$494,353 (+3%)	$577,000 (+1.51%) Land $80,000 Building $497,000
2023	$7,884.00 (+51.18%) Homeowner's exemption	$479,955 (+44.76%)	$568,400 (+27.79%) Land $80,000 Building $488,400
2022	$5,215.00 Homeowner's exemption	$331,550	$444,800 Land $75,000 Building $369,800

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	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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