1811 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1811 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,119 sqft · built 2020
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Aug 2026)
Tax Bill	$5,243 (2025)
Deeds & Mortgages	Apr 2026 Sale Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0173-0001-1560`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0173-0001-1560`
Alternative APN	`263104017300011560`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,119 sqft Living Area
Gross Area	4,104 sqft
1st Floor Area	1,755 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	669 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1811 HENLEY ST
City	SAINT CLOUD
State	FL
Zip	34771-7683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 156
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK EAST PH 2
Legal Phase	2
Legal Lot Number	156
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1811 Henley St is owned and occupied by two individuals who bought it in August 2026.

Source: Osceola County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1811 HENLEY ST, SAINT CLOUD, FL 34771-7683
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Warranty Deed, Transfer OS NATIONAL LLC, OS NATIONAL
Dec 23, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Mar 25, 2020	Special Warranty Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Apr 27, 2026 · Amount on File
Deed Document Number	2026104262
Deed Book / Page	7017 / 2414
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2026
Property Address	1811 HENLEY ST, SAINT CLOUD, FL 34771-7683
Document Number	0000055409
Book / Page	6961 / 2390
Instrument Date	Apr 24, 2026
Instrument	2026.55409
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount on Record
Tax	$350,035.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Investor	Possibly a Property Investor

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1811 HENLEY ST, SAINT CLOUD, FL 34771-7683
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058571488
Date	Dec 23, 2020
Book Page	5857/1488
Instrument	2020174642

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2020
Property Address	1811 HENLEY ST, SAINT CLOUD, FL 34771-7683
Document Number	0056980702
Book / Page	5698 / 702
Map Reference	MB 27 PG 87
Instrument Date	Feb 28, 2020
Instrument	2020042578
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,378.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 HENLEY ST, SAINT CLOUD, FL 34771-7683

Mortgage

Document Number	0056980706
Date	Mar 25, 2020
Instrument	5698/0706

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1811 Henley St was $5,243 with exemptions applied, up 3.5% from the year before.

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	$5,243.00 (+3.47%) Homeowner's exemption Veteran's exemption	$340,808	$446,600 Land $78,800 Building $367,800
2024	$5,067.00 (+2.53%)
2023	$4,942.00 (+3.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$321,558 (+3%)	$456,400 (+14.64%) Land $68,200 Building $388,200
2022	$4,776.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$312,193	$398,100 Land $68,200 Building $329,900

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

Flood

FEMA maps place 1811 Henley St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1811 Henley St is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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