1720 Carolyn Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1720 Carolyn Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1988
Lot Size	0.246 acres (10,716 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Jan 2020)
Tax Bill	$3,434 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`84913`

Property Details

APN / Parcel Number

Primary APN	`84913`
Alternative APNs	`142630085400010020` `142630398600010020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,594 sqft Heated Area
Gross Area	2,483 sqft
1st Floor Area	1,594 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,716 sqft (0.246 acres)
Lot Dimensions	118 ft deep x 92 ft wide
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Open Porch
Porch Area	361 sqft
Deck Area	894 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	84913
Old Parcel Number	142630398600010020
Street Address	1720 CAROLYN CT
City	SAINT CLOUD
State	FL
Zip	34769-5515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LORRAINE ESTATES 2 PB 2 PG 264 LOT 2
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	LORRAINE EST 1-4
Legal Tract	854
Legal Block	1
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

1720 Carolyn Ct is owned and occupied by an individual who bought it in January 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	1720 CAROLYN CT, SAINT CLOUD, FL 34769-5515
Occupancy	Owner Occupied
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
May 13, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Jan 30, 2020	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on File
Deed Sale	Jan 30, 2020 · Amount on File
Prior Sale	Dec 11, 2009 · Amount on File
Deed Document Number	2020015214
Deed Book / Page	5666 / 1981
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1720 CAROLYN CT, SAINT CLOUD, FL 34769-5515
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 CAROLYN CT, SAINT CLOUD, FL 34769-5515

Mortgage

Document Number	0059572346
Date	May 13, 2021
Book Page	5957/2346
Instrument	2021074024

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2020
Property Address	1720 CAROLYN CT, SAINT CLOUD, FL 34769-5515
Document Number	0056661981
Book / Page	5666 / 1981
Map Reference	MB 2 PG 264
Instrument Date	Jan 24, 2020
Instrument	2020015214
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3719 WEEPING WILLOW COURT, 3719, SAINT CLOUD, FL 34769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 CAROLYN CT, SAINT CLOUD, FL 34769-5515

Mortgage

Document Number	0056661983
Date	Jan 30, 2020
Instrument	5666/1983

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1720 Carolyn Ct was $3,434 with a homeowner's exemption.

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	$3,434.00 Homeowner's exemption	$234,776	$289,900 Land $55,000 Building $234,900
2023	$3,230.00 (+3.66%) Homeowner's exemption	$221,515 (+3%)	$283,900 (+25.73%) Land $55,000 Building $228,900
2022	$3,116.00 Homeowner's exemption	$215,064	$225,800 Land $50,000 Building $175,800

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

Flood

FEMA maps place 1720 Carolyn Ct in Zone X, an area of minimal flood risk.

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 File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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

Wildfire risk around 1720 Carolyn Ct is moderate, ranking above 40% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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