1811 Winchester Ct S, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1811 Winchester Ct S, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,188 sqft · built 2004
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$136,000 (Apr 2019)
Tax Bill	$1,585 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`95764`

Property Details

APN / Parcel Number

Primary APN	`95764`
Alternative APN	`042631345200010100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Heated Area
Gross Area	1,836 sqft
1st Floor Area	1,188 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	219 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95764
Street Address	1811 WINCHESTER CT S
City	SAINT CLOUD
State	FL
Zip	34771-8579
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OR1C
Legal Description	HUNTERS RIDGE PB 10 PG 119 LOT 10
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	HUNTER S RIDGE
Legal Tract	3452
Legal Block	1
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

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	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 22, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BK
Apr 1, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Apr 1, 2019	Correction Deed ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	Aug 24, 2004 · Amount on Record
Deed Document Number	2019040201
Deed Book / Page	5499 / 2682
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579

Mortgage

Document Number	0060742466
Date	Oct 28, 2021
Book Page	6074/2466
Instrument	2021167825

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057522370
Date	Jul 10, 2020
Book Page	5752/2370
Instrument	2020089752

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2019
Property Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579
Document Number	0055280922
Book / Page	005528 / 000922
Instrument Date	Apr 11, 2019
Instrument	66042
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,193.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4526 LAKE CALABAY DR ORLANDO FL 328375471, ORLANDO, FL 32837-5471

Mortgage

Document Number	55280924
Date	May 22, 2019
Book Page	005528/000924
Instrument	66043

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2019
Property Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579
Document Number	0054992682
Book / Page	5499 / 2682
Map Reference	MB 10 PG 119
Instrument Date	Mar 29, 2019
Instrument	2019040201
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$952.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 MILL POND DR, 265, SAINT CLOUD, FL 34769-6317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579

Mortgage

Document Number	2019040202
Date	Apr 1, 2019
Instrument	2019040202

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

April 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2019
Property Address	1811 WINCHESTER CT S, SAINT CLOUD, FL 34771-8579
Document Number	0054992680
Book / Page	005499 / 002680
Instrument Date	Mar 19, 2019
Instrument	40200
Record Updated	Apr 22, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1811 WINCHESTER CT S ST CLOUD FL 347718579, ST CLOUD, FL 34771-8579

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,585.00 (+11.23%) Homeowner's exemption	$57,697 (+5.99%)	$188,900 (+12.44%) Land $50,000 Building $138,900
2023	$1,425.00 (+6.26%) Homeowner's exemption	$54,438 (+3%)	$168,000 (+27.76%) Land $32,500 Building $135,500
2022	$1,341.00 Homeowner's exemption	$52,853	$131,500 Land $32,500 Building $99,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 66% of the US · above 43% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 86 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, Xfinity.

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