1801 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1801 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,363 sqft · built 1993
Lot Size	0.457 acres (19,906 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jun 2022)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-4260-0218-0060`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4260-0218-0060`
Alternative APNs	`253117426002180060` `91156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,363 sqft Living Area
Gross Area	2,335 sqft
1st Floor Area	1,363 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,906 sqft (0.457 acres)
Lot Dimensions	123 ft deep x 162 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1801 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	NEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 218 LOTS 6-8
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	218
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43700

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	1801 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · VA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS INC
Jun 3, 2022	Warranty Deed, Transfer · VA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS
Sep 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Oct 30, 2002 · Amount on Record
Deed Document Number	202287131
Deed Book / Page	6226 / 700
Prior Transfer Date	Jul 19, 2007
Prior Transfer Doc	0035320351
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1801 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7878
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7767

Mortgage

Document Number	0063310457
Date	Dec 16, 2022
Book Page	6331/457
Instrument	2022180525

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS INC
Type	Mortgage Company
Address	DALLAS, TX 75248

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jul 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 3, 2022
Property Address	1801 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7878
Document Number	0062260700
Book / Page	6226 / 700
Map Reference	MB 1 PG 71&72
Instrument Date	Jun 1, 2022
Instrument	2022087131
Transaction Type	Transfer
Record Updated	Jun 17, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	738 RIVER ROCK BLVD, 738, APOPKA, FL 32712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7878

Mortgage

Document Number	0006226701
Date	Jun 3, 2022
Instrument	6226/701

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1801 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7878
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052070729
Date	Sep 13, 2017
Book Page	5207/0729
Instrument	2017129842

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,167.00 (+11.21%)	$327,200 (+24.51%) Land $65,000 Building $262,200	$327,200 (+24.51%) Land $65,000 Building $262,200
2024	$4,646.00 (+8.27%)
2023	$4,291.00 (+139.45%)	$262,800 (+106.63%) Land $60,000 Building $202,800	$262,800 (+14.01%) Land $60,000 Building $202,800
2022	$1,792.00 Homeowner's exemption	$127,182	$230,500 Land $60,000 Building $170,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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