Osceola County property record for 1803 Charles Ct, Saint Cloud, FL 34771 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,671 sqft Living Area |
| Lot Size | 30,796 sqft (0.707 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $645,000 (2022) |
| Tax Bill | $7,220.00 (2025) |
| Primary APN | 02-26-31-4433-0001-0780 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,671 sqft Living Area |
| Gross Area | 4,435 sqft Gross Area |
| 1st Floor | 2,011 sqft 1st Floor |
| Upper Floors | 660 sqft Upper Floors |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 30,796 sqft (0.707 acres) |
| Parking Spaces | 5 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 516 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 32 sqft Pool |
| Deck Area | 834 sqft Deck |
| Porch Area | 408 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 1803 CHARLES CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8806 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 78 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | NORTHSHORE STAGE 2 |
| Legal Tract | 4433 |
| Legal Block | 780 |
| Legal Lot Number | 78 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
Source: Osceola County records · APN 02-26-31-4433-0001-0780
Assessment roll updated November 26, 2025 · Last verified August 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 | 1803 COVINGTON CT, SAINT CHARLES, IL 60174-3500 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Dec 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Jun 22, 2020 · Amount on Record |
| Deed Doc Number | 2022183158 |
| Deed Book / Page | 6334 / 267 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 21, 2022 |
| Property Address | 1803 CHARLES CT, SAINT CLOUD, FL 34771-8806 |
| Document Number | 0063340267 |
| Book / Page | 6334 / 267 |
| Map Reference | MB 17 PG 35&36 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 2022183158 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | NOT AVAILABLE, TRIUMPH TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,515.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1851 PARKWAY DR, HONESDALE, PA 18431-2223 |
| Name | Verified Name |
|---|---|
| Address | 1803 CHARLES CT, SAINT CLOUD, FL 34771-8806 |
| Document Number | 0006334269 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 6334/269 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 22, 2020 |
| Property Address | 1803 CHARLES CT, SAINT CLOUD, FL 34771-8806 |
| Document Number | 0057410523 |
| Book / Page | 005741 / 000523 |
| Instrument Date | Jun 19, 2020 |
| Instrument | 79647 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,149.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1803 CHARLES CT ST CLOUD FL 347718806, ST CLOUD, FL 34771-8806 |
| Document Number | 57410524 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 005741/000524 |
| Instrument | 79648 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $7,220.00 (-5.45%) Homeowner's exemption | $510,600 (+1.65%) Land $65,000 Building $445,600 | $510,600 (+1.65%) Land $65,000 Building $445,600 |
| 2023 | $7,636.00 (+66.91%) | $502,300 (+53.94%) Land $65,000 Building $437,300 | $502,300 (+27.88%) Land $65,000 Building $437,300 |
| 2022 | $4,575.00 Homeowner's exemption | $326,293 | $392,800 Land $60,000 Building $332,800 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 85% of the US · above 76% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 131 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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