Osceola County property record for 1745 Sundance Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,009 sqft · built 1999 |
| Lot Size | 2.01 acres (87,599 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,039 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Oct 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 102797 |
| Primary APN | 102797 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,009 sqft Heated Area |
| Gross Area | 3,229 sqft |
| 1st Floor Area | 1,853 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 87,599 sqft (2.01 acres) |
| Garage Type | Mixed |
| Garage Area | 714 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 530 sqft |
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 102797 |
|---|---|
| Street Address | 1745 SUNDANCE DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7904 |
| 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 148 |
| 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 | 148 |
| Legal Unit | II |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 43801 |
Source: Osceola County records · APN 102797
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Line of Credit USF FCU |
| Oct 08, 2021 | Deed of Trust, Mortgage · Line of Credit USF FCU |
| Sep 05, 2025 | Deed of Trust, Mortgage · Line of Credit USF FCU |
| Dec 20, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 16, 2020 | Deed of Trust, Mortgage · Line of Credit USF FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 13, 2019 |
| Deed Sale | Dec 13, 2019 |
| Prior Sale | Oct 14, 1998 · Amount on Record |
| Deed Document Number | 0005642481 |
| Deed Book / Page | 3411 / 2585 |
| Prior Transfer Date | Feb 19, 2007 |
| Prior Transfer Doc | 2007032832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Document Number | 0064161531 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 6416/1531 |
| Instrument | 2023069790 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33646 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 04, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Document Number | 0060612479 |
|---|---|
| Date | Oct 08, 2021 |
| Book Page | 6061/2479 |
| Instrument | 2021157117 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33612 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Aug 09, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Document Number | 0068451006 |
|---|---|
| Date | Sep 05, 2025 |
| Book Page | 6845/1006 |
| Instrument | 2025110670 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33646 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 29, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Title Company | GENERATIONS TITLE COMPANY LLC, GENERATION TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Document Number | 0067142448 |
|---|---|
| Date | Dec 20, 2024 |
| Book Page | 6714/2448 |
| Instrument | 2024161295 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1745 SUNDANCE DR, SAINT CLOUD, FL 34771-7904 |
| Document Number | 0057001680 |
| Instrument Date | Jan 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1745 SUNDANCE DR ST CLOUD FL 347717904, ST CLOUD, FL 34771-7904 |
| Document Number | 0057001680 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 005700/001680 |
| Instrument | 44361 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33612 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 29, 2045 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,039.00 (+8.07%) Homeowner's exemption | $208,808 (+5.99%) | $436,100 (+13.27%) Land $110,000 Building $326,100 |
| 2023 | $2,812.00 (+4.61%) Homeowner's exemption | $197,014 (+3%) | $385,000 (+12.21%) Land $80,000 Building $305,000 |
| 2022 | $2,688.00 Homeowner's exemption | $191,276 | $343,100 Land $80,000 Building $263,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
| Wildfire Risk | Very High above 90% of the US · above 84% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 27 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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