1804 Sunfish St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1804 Sunfish St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,029 sqft · built 2018
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$85,200 (Aug 2021)
Tax Bill	$4,964 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`06-26-31-0877-0001-2220`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0877-0001-2220`
Alternative APN	`263106087700012220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,029 sqft Living Area
Gross Area	2,926 sqft
1st Floor Area	2,029 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1804 SUNFISH ST
City	SAINT CLOUD
State	FL
Zip	34771-7572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 222
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PH 3 & 4
Legal Phase	3
Legal Tract	877
Legal Block	2220
Legal Lot Number	222
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43600

Owner

1804 Sunfish St is owned and occupied by two individuals who bought it in August 2021.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Quit Claim Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 20, 2018	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Jan 17, 2018	Loan Modification, Mortgage ATTORNEY ONLY
Jul 10, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Jun 20, 2018 · Amount on File
Deed Document Number	2021122203
Deed Book / Page	6017 / 2877
Prior Transfer Date	Jul 26, 2021
Prior Transfer Doc	0060172877
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2021
Property Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572
Document Number	0060172877
Book / Page	6017 / 2877
Map Reference	MB 25 PG 38
Instrument Date	Jul 26, 2021
Instrument	2021122203
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$596.40
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13938 SMOKERISE CT, 13938, ORLANDO, FL 32832-5728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572

Mortgage

Document Number	0060172879
Date	Aug 6, 2021
Instrument	6017/2879

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

June 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 20, 2018
Property Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572
Document Number	0053541088
Book / Page	5354 / 1088
Map Reference	MB25 PG38
Instrument Date	Jun 15, 2018
Instrument	2018095709
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	EASTERN NATIONAL TITLE AGENC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,056.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572

Mortgage

Document Number	2018095710
Date	Jun 20, 2018
Instrument	2018095710

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572
Document Number	0052771357
Book / Page	005277 / 001357
Instrument Date	Jan 17, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 10, 2017
Property Address	1804 SUNFISH ST, SAINT CLOUD, FL 34771-7572
Document Number	0051761375
Book / Page	005176 / 001375
Instrument Date	Jul 7, 2017
Instrument	99601
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$27,023.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	151 SOUTHHALL LN #120 MAITLAND FL 327517115, 120, MAITLAND, FL 32751-7115
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Sunfish St was $4,964 with a homeowner's exemption, up 3.4% from the year before.

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	$4,964.00 (+3.44%) Homeowner's exemption	$320,236	$358,100 Land $75,000 Building $283,100
2024	$4,799.00 (+2.5%)
2023	$4,682.00 (+13.39%) Homeowner's exemption	$302,147 (+4.73%)	$361,200 (+11.86%) Land $65,000 Building $296,200
2022	$4,129.00 Homeowner's exemption	$288,503	$322,900 Land $60,000 Building $262,900

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

Flood

FEMA maps place 1804 Sunfish St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 1804 Sunfish St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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