1809 Sunfish St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1809 Sunfish St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,939 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$298,320 (May 2018)
Tax Bill	$3,969 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`06-26-31-0877-0001-2250`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0877-0001-2250`
Alternative APN	`263106087700012250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,939 sqft Living Area
Gross Area	2,698 sqft
1st Floor Area	1,939 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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1809 SUNFISH ST
City	SAINT CLOUD
State	FL
Zip	34771-7576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 225
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	2250
Legal Lot Number	225
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2025
Census Tract	43600

Owner

Source: Osceola County records, as of July 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jan 25, 2019	Deed of Trust, Mortgage · FHA Mortgage GOODMORTGAGE.COM
May 31, 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	Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	Jul 10, 2017 · Amount on Record
Deed Document Number	201884558
Deed Book / Page	5342 / 1059
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 25, 2026
Property Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
Document Number	0000083858
Book / Page	6994 / 492
Instrument Date	Apr 14, 2026
Instrument	202683858
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576

Mortgage

Document Number	0000083858,
Date	Jun 25, 2026
Book Page	6994/492
Instrument	202683858

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	May 1, 2066

Interest

Rate	6.22%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576

Mortgage

Document Number	0060581291
Date	Oct 5, 2021
Book Page	6058/1291
Instrument	2021154256

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Feb 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
Document Number	0054700661
Instrument Date	Jan 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 15, 2019
Title Company	RELTCO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1809 SUNFISH ST ST CLOUD FL 347717576, ST CLOUD, FL 34771-7576

Mortgage

Document Number	0054700661
Date	Jan 31, 2019
Book Page	005470/000661
Instrument	12422

Lender

Name	GOODMORTGAGE.COM
Type	Mortgage Company
Address	TYSONS CORNER, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2049

May 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2018
Property Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
Document Number	0053421059
Book / Page	5342 / 1059
Map Reference	MB25 PG38
Instrument Date	May 30, 2018
Instrument	2018084558
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	EASTERN NATL TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,088.80
Amount Accuracy	Full Amount Stated
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	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576

Mortgage

Document Number	2018084559
Date	May 31, 2018
Instrument	2018084559

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
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	1809 SUNFISH ST, SAINT CLOUD, FL 34771-7576
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 Recorded
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

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	$3,969.00 (+6.35%) Homeowner's exemption Widower's exemption	$269,646 (+5.99%)	$348,000 (-0.74%) Land $75,000 Building $273,000
2023	$3,732.00 (+1.33%) Homeowner's exemption Widower's exemption	$254,415 (+3%)	$350,600 (+11.83%) Land $65,000 Building $285,600
2022	$3,683.00 Homeowner's exemption Widower's exemption	$247,005	$313,500 Land $60,000 Building $253,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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