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1805 Eldorado Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1805 Eldorado Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 1998
Square Footage3,543 sqft Heated Area
Lot Size43,996 sqft (1.01 acres)
OccupancyOwner Occupied
Last Sale$418,000 (2019)
Tax Bill$712.00 (2025)

Property Details

APN / Parcel Number

Primary APN102822
Alternative APN
  • 062632259800011730

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area3,543 sqft Heated Area
Gross Area4,505 sqft Gross Area
1st Floor1,701 sqft 1st Floor
Upper Floors1,464 sqft Upper Floors
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1998
Exterior MaterialBrick Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area43,996 sqft (1.01 acres)
Parking Spaces2 Parking Spaces
Garage TypeMixed Garage
Garage Area460 sqft Garage

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area192 sqft Shed
Deck Area104 sqft Deck
Patio Area160 sqft Patio
Porch1 Porch
Porch Area460 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number102822
Street Address1805 ELDORADO CT
CitySAINT CLOUD
StateFL
Zip34771-7909
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBAY LAKE RANCH UNIT II PB 2 PG 293-295 LOT 173
Legal Range32E
Legal Township26S
Legal Section06
Legal SubdivisionBAY LAKE RANCH UN 2
Legal Tract2598
Legal Block1
Legal Lot Number173
Legal UnitII
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1007
Census Tract43801

Owner

Source: Osceola County records · APN 102822

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Individual Names on File
Mailing Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 19, 2022Deed of Trust, Mortgage · Stand Alone Second Mortgage
ADDITION FINANCIAL CU
Jan 20, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
THE MORTGAGE FIRM INC
Dec 20, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
USAA
Oct 26, 2017Deed of Trust, Mortgage · Line of Credit
BRANCH BK&TR

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 20, 2019 · Amount on Record
Deed SaleDec 20, 2019 · Amount on Record
Deed Doc Number0005645555
Deed Book / Page5645 / 555
Record RefreshedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909
Transaction TypeMortgage
Record UpdatedAug 05, 2022
Title CompanyPRIMEPA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909

Mortgage

Document Number0062532275
DateJul 19, 2022
Book Page6253/2275
Instrument2022110847
Lender
NameADDITION FINANCIAL CU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term180 Months
DueJul 18, 2037

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909

Mortgage

Document Number0058741080
DateJan 20, 2021
Book Page5874/1080
Instrument2021009122
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 20, 2019
Property Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909
Document Number0056450555
Book / Page005645 / 000555
Instrument DateDec 20, 2019
Instrument165801
Transaction TypeTransfer
Record UpdatedJan 13, 2020
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,926.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1805 ELDORADO CT ST CLOUD FL 347717909, ST CLOUD, FL 34771-7909

Mortgage

Document Number56450557
DateDec 20, 2019
Book Page005645/000557
Instrument165802
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 19, 2049

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1805 ELDORADO CT, SAINT CLOUD, FL 34771-7909
Document Number0052520381
Book / Page005252 / 000381
Instrument DateOct 26, 2017
Transaction TypeMortgage
Record UpdatedJan 15, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1805 ELDORADO CT ST CLOUD FL 347717909, ST CLOUD, FL 34771-7909

Mortgage

Document Number0052520381
DateDec 12, 2017
Book Page005252/000381
Instrument176060
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueDec 11, 2042
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$393,237 (+5.99%)$595,200 (+10.71%) Land $110,000 Building $485,200
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$371,025 (+3%)$537,600 (+14.33%) Land $80,000 Building $457,600
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$360,219$470,200 Land $80,000 Building $390,200

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskHigh
above 90% of the US · above 83% of Florida
Wildfire LikelihoodAbout 1 in 87 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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