1720 Sundance Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1720 Sundance Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,118 sqft · built 2020
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Trust Names on Record
Last Sale	$595,000 (Aug 2020)
Tax Bill	$7,647 (2025)
Deeds & Mortgages	Apr 2019 Construction Loan Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`102760`

Property Details

APN / Parcel Number

Primary APN	`102760`
Alternative APN	`062632259800011110`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,118 sqft Heated Area
Gross Area	5,124 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	75,359 sqft (1.73 acres)
Garage Type	Finished
Garage Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	102760
Street Address	1720 SUNDANCE DR
City	SAINT CLOUD
State	FL
Zip	34771-7929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR2
Legal Description	BAY LAKE RANCH UNIT II PB 2 PG 293-295 LOT 111
Legal Range	32E
Legal Township	26S
Legal Section	06
Legal Subdivision	BAY LAKE RANCH UN 2
Legal Tract	2598
Legal Block	1
Legal Lot Number	111
Legal Unit	II
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

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	2 Trust Names on Record
Co-owner	Co-owner on Record
Mailing Address	1720 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
May 1, 2020	Loan Modification, Mortgage CENTENNIAL BK
Aug 1, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	2020101790
Deed Book / Page	5767 / 2455
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1720 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055121110
Date	Apr 24, 2019
Book Page	5512/1110
Instrument	2019051886

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2020
Property Address	1720 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Document Number	0057672455
Book / Page	5767 / 2455
Map Reference	MB 2 PG 293-295
Instrument Date	Aug 3, 2020
Instrument	2020101790
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1720 SUNDANCE DR, 1720, SAINT CLOUD, FL 34771-7929

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1720 SUNDANCE DR, SAINT CLOUD, FL 34771-7929

Mortgage

Document Number	0057672457
Date	Aug 4, 2020
Instrument	5767/2457

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1720 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Document Number	0057211120
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1720 SUNDANCE DR ST CLOUD FL 347717929, ST CLOUD, FL 34771-7929

Mortgage

Document Number	0057211120
Date	May 12, 2020
Book Page	005721/001120
Instrument	63386

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 1, 2018
Property Address	1720 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Document Number	0053770304
Book / Page	005377 / 000304
Instrument Date	Jul 31, 2018
Instrument	117057
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6845 OLD MELBOURNE HWY ST CLOUD FL 347717307, ST CLOUD, FL 34771-7307

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,647.00 (+6.3%) Homeowner's exemption	$541,377 (+5.99%)	$812,500 (+9.53%) Land $121,000 Building $691,500
2023	$7,194.00 (+3.57%) Homeowner's exemption	$510,797 (+3%)	$741,800 (+14.87%) Land $89,600 Building $652,200
2022	$6,946.00 Homeowner's exemption	$495,920	$645,800 Land $89,600 Building $556,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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	Very High above 93% of the US · above 88% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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