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1810 Charles Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1810 Charles Ct, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2005
Square Footage2,212 sqft Living Area
Lot Size28,009 sqft (0.643 acres)
OccupancyOwner Occupied
Last Sale$87,600 (2017)
Tax Bill$2,852.00 (2024)

Property Details

APN / Parcel Number

Primary APN02-26-31-4433-0001-0720
Alternative APNs
  • 263102443300010720
  • 127534

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,212 sqft Living Area
Gross Area3,113 sqft Gross Area
1st Floor1,804 sqft 1st Floor
Upper Floors408 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area28,009 sqft (0.643 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area484 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area392 sqft Pool
Deck Area452 sqft Deck
Porch Area452 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address1810 CHARLES CT
CitySAINT CLOUD
StateFL
Zip34771-8806
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNORTHSHORE-STAGE TWO PB 17 PGS 35-36 LOT 72
Legal Range31E
Legal Township26S
Legal Section02
Legal SubdivisionNORTHSHORE STAGE 2
Legal Tract4433
Legal Block720
Legal Lot Number72
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1034
Census Tract43801

Owner

Source: Osceola County records · APN 02-26-31-4433-0001-0720

Assessment roll updated November 26, 2025 · Last verified April 2026

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 Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
CENTENNIAL BANK
Aug 06, 2020Deed of Trust, Mortgage · Conventional Mortgage
ADDITION FIN'L CU
Oct 24, 2018Intrafamily Transfer, Transfer
MORTGAGE TITLE SERVICES INC
Oct 13, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
SUPREME LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 13, 2017 · Amount on Record
Deed SaleOct 13, 2017 · Amount on Record
Prior SaleAug 01, 2016
Deed Doc Number2017146950
Deed Book / Page5223 / 1539
Last Transfer DateOct 24, 2018
Transfer Doc0054220544
Record RefreshedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806

Mortgage

Document Number0059181849
DateMar 23, 2021
Book Page5918/1849
Instrument2021043154
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806
Document Number0057730706
Instrument DateAug 06, 2020
Transaction TypeMortgage
Record UpdatedSep 03, 2020
Title CompanyMORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1810 CHARLES CT ST CLOUD FL 347718806, ST CLOUD, FL 34771-8806

Mortgage

Document Number0057730706
DateAug 12, 2020
Book Page005773/000706
Instrument106310
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 11, 2035

October 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 24, 2018
Property Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806
Document Number0054220544
Book / Page5422 / 0544
Map ReferenceMB17 PG35&36
Instrument DateOct 24, 2018
Instrument2018158837
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyMORTGAGE TITLE SERVICES INC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 13, 2017
Property Address1810 CHARLES CT, SAINT CLOUD, FL 34771-8806
Document Number0052231539
Book / Page005223 / 001539
Instrument DateOct 02, 2017
Instrument146950
Transaction TypeTransfer
Record UpdatedNov 10, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$613.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1810 CHARLES CT ST CLOUD FL 347718806, ST CLOUD, FL 34771-8806

Mortgage

Document Number52231540
DateOct 13, 2017
Book Page005223/001540
Instrument146951
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 12, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$3,015.00 (+5.72%) Homeowner's exemption$207,072 (+5.99%)$400,600 (+1.65%) Land $65,000 Building $335,600
2024$2,852.00 (+2.26%)
2023$2,789.00 (+4.61%) Homeowner's exemption$195,376 (+3%)$394,100 (+24.44%) Land $65,000 Building $329,100
2022$2,666.00 Homeowner's exemption$189,686$316,700 Land $60,000 Building $256,700

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 71% of the US · above 52% of Florida
Wildfire LikelihoodAbout 1 in 345 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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