1808 Charles Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1808 Charles Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,964 sqft · built 2006
Lot Size	0.503 acres (21,954 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (May 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`127535`

Property Details

APN / Parcel Number

Primary APN	`127535`
Alternative APN	`022631443300010730`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,964 sqft Heated Area
Gross Area	3,057 sqft Gross Area
1st Floor Area	1,964 sqft 1st Floor
Stories	1 Story
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,954 sqft (0.503 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished
Garage Area	690 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	403 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	127535
Street Address	1808 CHARLES CT
City	SAINT CLOUD
State	FL
Zip	34771-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 73
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	NORTHSHORE-STATE ONE
Legal Tract	4433
Legal Block	1
Legal Lot Number	73
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1034
Census Tract	43801

Owner

Source: Osceola County records · APN 127535

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 Record	2 Individual Names on File
Mailing Address	1808 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	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Jul 13, 2005 · Amount on Record
Deed Document Number	2020066786
Deed Book / Page	5725 / 1798
Record Updated	Jun 08, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2020
Property Address	1808 CHARLES CT, SAINT CLOUD, FL 34771-8806
Document Number	0057251798
Book / Page	005725 / 001798
Instrument Date	May 13, 2020
Instrument	66786
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1808 CHARLES CT ST CLOUD FL 347718806, ST CLOUD, FL 34771-8806

Mortgage

Document Number	57251801
Date	May 21, 2020
Book Page	005725/001801
Instrument	66787

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$304,153 (+5.99%)	$375,400 (+1.51%) Land $65,000 Building $310,400
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$286,973 (+3%)	$369,800 (+25.95%) Land $65,000 Building $304,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$278,615	$293,600 Land $60,000 Building $233,600

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 345 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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