1803 Rain Lily Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1803 Rain Lily Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Company Names on Record
Last Sale	$263,390 (May 2019)
Tax Bill	$3,889 (2025)
Deeds & Mortgages	Dec 2025 Transfer Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-26-31-0102-0001-0260`

Property Details

APN / Parcel Number

Primary APN	`05-26-31-0102-0001-0260`
Alternative APN	`263105010200010260`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	108 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1803 RAIN LILY PL
City	SAINT CLOUD
State	FL
Zip	34771-8575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOPY WALK PH 2 PB 27 PGS 42-43 LOT 26
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	CANOPY WALK PH 2
Legal Phase	2
Legal Lot Number	26
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3027
Census Tract	43700

Owner

Source: Osceola County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	5805 CHARLOTTE DR, 439, SAN JOSE, CA 95123-3660
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Intrafamily Transfer, Transfer
Nov 21, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
May 15, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Deed Document Number	201962748
Deed Book / Page	5524 / 2523
Last Transfer Date	Dec 5, 2025
Transfer Doc	0068911251
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 10, 2025
Property Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575
Document Number	0068911251
Book / Page	6891 / 1251
Map Reference	MB 27 PG 42&43
Instrument Date	Dec 5, 2025
Instrument	2025150810
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5805 CHARLOTTE DR APT 439, 439, SAN JOSE, CA 95123-3660

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5805 CHARLOTTE DR APT 439, 439, SAN JOSE, CA 95123-3660

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575
Transaction Type	Mortgage
Record Updated	Dec 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575

Mortgage

Document Number	0065080654
Date	Nov 21, 2023
Book Page	6508/654
Instrument	2023152995

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575

Mortgage

Document Number	0061550939
Date	Feb 22, 2022
Book Page	6155/939
Instrument	2022028477

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2051

May 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2019
Property Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575
Document Number	0055242523
Book / Page	5524 / 2523
Map Reference	MB 27 PG 42&43
Instrument Date	May 10, 2019
Instrument	2019062748
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,843.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 RAIN LILY PL, SAINT CLOUD, FL 34771-8575

Mortgage

Document Number	0055242524
Date	May 15, 2019
Instrument	5524/2524

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,889.00 (+3.49%)	$260,203 (+5.99%)	$348,000 (+3.45%) Land $70,000 Building $278,000
2024	$3,758.00 (+2.62%)
2023	$3,662.00 (+3.56%) Homeowner's exemption	$245,505 (+3%)	$336,400 (+15.44%) Land $65,000 Building $271,400
2022	$3,536.00 Homeowner's exemption	$238,355	$291,400 Land $60,000 Building $231,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.3% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 187 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink, Xfinity.

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