1805 Charles Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1805 Charles Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,199 sqft · built 2020
Lot Size	0.517 acres (22,564 sqft)
Owner	Individual Name on File
Last Sale	$379,700 (Feb 2020)
Tax Bill	$4,785 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`127541`

Property Details

APN / Parcel Number

Primary APN	`127541`
Alternative APN	`022631443300010790`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,199 sqft Heated Area
Gross Area	3,140 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,564 sqft (0.517 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	322 sqft
Porch	Open Porch
Deck Area	734 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	127541
Street Address	1805 CHARLES CT
City	SAINT CLOUD
State	FL
Zip	34771-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	NORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 79
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4433
Legal Block	1
Legal Lot Number	79
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1805 CHARLES CT, SAINT CLOUD, FL 34771-8806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 21, 2020 · Amount on Record
Deed Sale	Feb 21, 2020 · Amount on Record
Prior Sale	Nov 21, 2016 · Amount on Record
Deed Document Number	0056782290
Deed Book / Page	5678 / 2290
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2020
Property Address	1805 CHARLES CT, SAINT CLOUD, FL 34771-8806
Document Number	0056782290
Book / Page	5678 / 2290
Map Reference	MB 17 PG 35&36
Instrument Date	Feb 21, 2020
Instrument	2020026136
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,657.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 CHARLES CT, SAINT CLOUD, FL 34771-8806

Mortgage

Document Number	0056782291
Date	Feb 21, 2020
Instrument	5678/2291

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,785.00 (+6.98%) Homeowner's exemption	$334,851 (+5.99%)	$420,200 (+2.24%) Land $65,000 Building $355,200
2023	$4,473.00 (+3.97%) Homeowner's exemption	$315,936 (+3%)	$411,000 (+24.62%) Land $65,000 Building $346,000
2022	$4,302.00 Homeowner's exemption	$306,734	$329,800 Land $60,000 Building $269,800

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 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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	High above 83% of the US · above 73% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35