Osceola County property record for 1785 Eldorado Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,785 sqft Heated Area |
| Lot Size | 48,352 sqft (1.11 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $324,900 (2005) |
| Tax Bill | $3,290.00 (2025) |
| Primary APN | 102820 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,785 sqft Heated Area |
| Gross Area | 4,012 sqft Gross Area |
| 1st Floor | 1,428 sqft 1st Floor |
| Upper Floors | 1,357 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 48,352 sqft (1.11 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 576 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 300 sqft Shed |
| Deck Area | 80 sqft Deck |
| Porch | Open Porch |
| Porch Area | 408 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 102820 |
|---|---|
| Street Address | 1785 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 171 |
| 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 | 171 |
| 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 102820
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 Owner Names on File |
|---|---|
| Mailing Address | 1785 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FIN |
| May 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) LAKEVIEW LN SERVICING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2005 · Amount on Record |
| Deed Sale | Apr 26, 2005 · Amount on Record |
| Prior Sale | Jun 11, 2004 · Amount on Record |
| Deed Doc Number | 2005098208 |
| Deed Book / Page | 2764 / 2872 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1785 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1785 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0059190628 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 5919/628 |
| Instrument | 2021043734 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1785 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0057522140 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1785 ELDORADO CT ST CLOUD FL 347718482, ST CLOUD, FL 34771-8482 |
| Document Number | 0057522140 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 005752/002140 |
| Instrument | 89713 |
| Name | GLOBAL EQUITY FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 09, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1785 ELDORADO CT, SAINT CLOUD, FL 34771-8482 |
| Document Number | 0053421122 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1785 ELDORADO CT ST CLOUD FL 347718482, ST CLOUD, FL 34771-8482 |
| Document Number | 0053421122 |
|---|---|
| Date | May 31, 2018 |
| Book Page | 005342/001122 |
| Instrument | 84570 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2048 |
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 | $3,290.00 (+7.87%) Homeowner's exemption | $226,919 (+5.99%) | $513,700 (+11.55%) Land $110,000 Building $403,700 |
| 2023 | $3,050.00 (+4.45%) Homeowner's exemption | $214,101 (+3%) | $460,500 (+14.27%) Land $80,000 Building $380,500 |
| 2022 | $2,920.00 Homeowner's exemption | $207,866 | $403,000 Land $80,000 Building $323,000 |
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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