181 Autumn Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 181 Autumn Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	4 bd · 3 ba · 1,952 sqft · built 1996
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jul 2020)
Tax Bill	$3,849 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-2869-0001-0440`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-2869-0001-0440`
Alternative APNs	`253120286900010440` `91466`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,952 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	1,952 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)

Exterior Amenities

Porch	Slab
Deck Area	Deck Area
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	181 AUTUMN CT
City	SAINT CLOUD
State	FL
Zip	34771-9637
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	ORMH
Legal Description	COUNTRYSIDE PB 4 PG 18-20 LOT 44
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	COUNTRYSIDE
Legal Tract	2869
Legal Block	1
Legal Lot Number	44
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records, as of July 13, 2026

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 Record
Mailing Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS
Jun 29, 2022	Deed of Trust, Mortgage · FHA Mortgage BSI FINANCIAL SERVICES
Nov 7, 2024	Deed of Trust, Mortgage E FONT HOME INVESTMENT LLC
Jul 9, 2020	Warranty Deed, Transfer · FHA Mortgage ALTERRA HM LNS
Feb 20, 2020	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on Record
Deed Sale	Jul 9, 2020 · Amount on Record
Prior Sale	Feb 20, 2020 · Amount on Record
Deed Document Number	202088568
Deed Book / Page	5751 / 2214
Prior Transfer Date	Apr 9, 1996
Prior Transfer Doc	1320002114
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637
Document Number	0000074707
Book / Page	6984 / 142
Instrument Date	Jun 4, 2026
Instrument	202674707
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637

Mortgage

Document Number	0000074707,
Date	Jun 8, 2026
Book Page	6984/142
Instrument	202674707

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	12%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637

Mortgage

Document Number	0062422741
Date	Jun 29, 2022
Book Page	6242/2741
Instrument	2022101788

Lender

Name	BSI FINANCIAL SERVICES
Type	Non-Lending Institution
Address	IRVING, TX 75038

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2052

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637

Mortgage

Document Number	0066920198
Date	Nov 7, 2024
Book Page	6692/198
Instrument	2024141497

Lender

Name	E FONT HOME INVESTMENT LLC
Type	Non-Lending Institution
Address	KISSIMMEE, FL 34744

Agreement

Amount	Amount Recorded
Term	1 Months
Due	Dec 1, 2024

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2020
Property Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637
Document Number	0057512214
Book / Page	005751 / 002214
Instrument Date	Jul 7, 2020
Instrument	88568
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	181 AUTUMN CT ST CLOUD FL 347719637, ST CLOUD, FL 34771-9637

Mortgage

Document Number	57512216
Date	Jul 9, 2020
Book Page	005751/002216
Instrument	88569

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 20, 2020
Property Address	181 AUTUMN CT, SAINT CLOUD, FL 34771-9637
Document Number	0056772378
Book / Page	005677 / 002378
Instrument Date	Feb 7, 2020
Instrument	25399
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$945.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1633 E VINE ST #121 KISSIMMEE FL 347443736, 121, KISSIMMEE, FL 34744-3736

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,849.00 (+13.14%)	$235,400 (+4.72%) Land $55,000 Building $180,400	$235,400 (+4.72%) Land $55,000 Building $180,400
2023	$3,402.00 (+17.23%)	$224,800 (+34.37%) Land $45,000 Building $179,800	$224,800 (+34.37%) Land $45,000 Building $179,800
2022	$2,902.00	$167,300 Land $45,000 Building $122,300	$167,300 Land $45,000 Building $122,300

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.3% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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