1740 Sundance Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1740 Sundance Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,060 sqft · built 1992
Lot Size	2.17 acres (94,525 sqft)
Owner	Individual Name on Record
Last Sale	$835,000 (May 2022)
Tax Bill	$8,402 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`102758`

Property Details

APN / Parcel Number

Primary APN	`102758`
Alternative APN	`062632259800011090`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,060 sqft Heated Area
Gross Area	4,161 sqft
1st Floor Area	2,369 sqft
Upper Floors Area	691 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	94,525 sqft (2.17 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Porch
Porch Area	661 sqft
Deck Area	480 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	102758
Street Address	1740 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 109
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	109
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
May 18, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME 1ST LENDING LLC
Apr 21, 2020	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2022 · Amount on Record
Deed Sale	May 18, 2022 · Amount on Record
Prior Sale	Apr 21, 2020 · Amount on Record
Deed Document Number	2022078138
Deed Book / Page	6215 / 2878
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929

Mortgage

Document Number	0063822675
Date	Apr 6, 2023
Book Page	6382/2675
Instrument	2023039049

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Feb 14, 2038

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2022
Property Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Document Number	0062152878
Book / Page	6215 / 2878
Map Reference	MB 2 PG 293-295
Instrument Date	May 15, 2022
Instrument	2022078138
Transaction Type	Transfer
Record Updated	Jun 2, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,845.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1740 SUNDANCE DR, 1740, SAINT CLOUD, FL 34771-7929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929

Mortgage

Document Number	0062152880
Date	May 18, 2022
Instrument	6215/2880

Lender

Name	HOME 1ST LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 21, 2020
Property Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929
Document Number	0057111550
Book / Page	5711 / 1550
Map Reference	MB 2 PG 293-295
Instrument Date	Apr 17, 2020
Instrument	2020054767
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,003.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9718 HATTON CIR, 9718, ORLANDO, FL 32832-6170

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 SUNDANCE DR, SAINT CLOUD, FL 34771-7929

Mortgage

Document Number	0057111551
Date	Apr 21, 2020
Instrument	5711/1551

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

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	$8,402.00 (+3.21%) Homeowner's exemption	$595,900 (+10.66%) Land $121,000 Building $474,900	$595,900 (+10.66%) Land $121,000 Building $474,900
2023	$8,141.00 (+49.18%)	$538,500 (+38.29%) Land $89,600 Building $448,900	$538,500 (+12.89%) Land $89,600 Building $448,900
2022	$5,457.00 Homeowner's exemption	$389,399	$477,000 Land $89,600 Building $387,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 92% of the US · above 87% 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 and 4G LTE (outdoors only)

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