Osceola County property record for 1765 Eldorado Ct, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2003 |
| Square Footage | 3,490 sqft Living Area |
| Lot Size | 110,642 sqft (2.54 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $273,000 (2016) |
| Tax Bill | $4,778.00 (2024) |
| Primary APN | 06-26-32-2598-0001-1690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,490 sqft Living Area |
| Gross Area | 4,880 sqft Gross Area |
| 1st Floor | 3,490 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 110,642 sqft (2.54 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 744 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Porch Area | 646 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 1765 ELDORADO CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8482 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT II PB 2 PG 293-295 LOT 169 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | BAY LAKE RANCH UNIT 2 |
| Legal Tract | 2598 |
| Legal Block | 1690 |
| Legal Lot Number | 169 |
| Legal Unit | II |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 43801 |
Source: Osceola County records · APN 06-26-32-2598-0001-1690
Assessment roll updated November 26, 2025 · Last verified June 2026
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 | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 30, 2026 | Deed of Trust · Veterans Administration Mortgage ROCKET MORTGAGE LLC |
| Apr 30, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage ROCKET MORTGAGE LLC |
| Feb 09, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| May 03, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage THE FEDERAL SAVINGS BANK |
| Apr 16, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage BAYSHORE MORTGAGE FUNDING LLC |
| Jun 19, 2018 | Deed of Trust, Mortgage · Veterans Administration Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 15, 2016 · Amount on Record |
| Deed Sale | Aug 15, 2016 · Amount on Record |
| Prior Sale | Dec 30, 2013 · Amount on Record |
| Deed Doc Number | 2016123733 |
| Deed Book / Page | 5008 / 2247 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 30, 2026 |
| Property Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0000056928 |
| Book / Page | 6963 / 2119 |
| Instrument Date | Apr 25, 2026 |
| Instrument | 2026.56928 |
| Record Updated | May 11, 2026 |
| Title Company | ROCKET MORTGAGE LLC |
| Name | Verified Name |
|---|---|
| Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0000056928, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 6963/2119 |
| Instrument | 2026.56928 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 30, 2026 |
| Property Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0069632119 |
| Book / Page | 6963 / 2119 |
| Instrument Date | Apr 25, 2026 |
| Instrument | 202656928 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET MORTGAGE LLC |
| Name | Verified Name |
|---|---|
| Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0000056928, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 6963/2119 |
| Instrument | 202656928 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0058872914 |
|---|---|
| Date | Feb 09, 2021 |
| Book Page | 5887/2914 |
| Instrument | 2021018901 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055190377 |
|---|---|
| Date | May 03, 2019 |
| Book Page | 5519/0377 |
| Instrument | 2019057650 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057091056 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 5709/1056 |
| Instrument | 2020052468 |
| Name | BAYSHORE MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1765 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0053581829 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1765 ELDORADO CT ST CLOUD FL 347718482, ST CLOUD, FL 34771-8482 |
| Document Number | 0053581829 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 005358/001829 |
| Instrument | 99859 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| 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 | $5,067.00 (+6.05%) Homeowner's exemption Veteran's exemption | $308,714 (+5.99%) | $625,600 (+11%) Land $110,000 Building $515,600 |
| 2024 | $4,778.00 (+2.09%) | ||
| 2023 | $4,680.00 (+20.09%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $291,276 (+3%) | $563,600 (+14.74%) Land $80,000 Building $483,600 |
| 2022 | $3,897.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $282,793 | $491,200 Land $80,000 Building $411,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 85 per year |
| 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; lenders make the official flood determination.
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