1816 Roper Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1816 Roper Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,148 sqft · built 2003
Lot Size	0.232 acres (10,149 sqft)
Owner	2 Owner Names on File
Last Sale	$190,600 (Sep 2004)
Tax Bill	$1,739 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`127421`

Property Details

APN / Parcel Number

Primary APN	`127421`
Alternative APNs	`052631000700011310` `052631258600011310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,148 sqft Heated Area
Gross Area	2,528 sqft
1st Floor Area	2,148 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,149 sqft (0.232 acres)
Lot Dimensions	115 ft deep x 88 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Pool Area	220 sqft
Deck Area	369 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	127421
Old Parcel Number	052631258600011310
Street Address	1816 ROPER RD
City	SAINT CLOUD
State	FL
Zip	34771-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	ASHTON PARK PB 13 PG 157-158 LOT 131
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	ASHTON PARK
Legal Tract	7
Legal Block	1
Legal Lot Number	131
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3056
Census Tract	43700

Owner

The current owner of 1816 Roper Rd bought it in September 2004.

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

Owner of Record	2 Owner Names on File
Mailing Address	1816 ROPER RD, SAINT CLOUD, FL 34771-1711
Occupancy	Owner Occupied

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
Jan 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU
Nov 20, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2004 · Amount on File
Deed Sale	Sep 10, 2004 · Amount on File
Prior Sale	Dec 11, 2003 · Amount on File
Deed Document Number	2004177763
Deed Book / Page	2592 / 2295
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1816 ROPER RD, SAINT CLOUD, FL 34771-1711
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050802349
Date	Jan 5, 2017
Book Page	5080/2349
Instrument	2017001895

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1816 ROPER RD, SAINT CLOUD, FL 34771-1711
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	A CLERA CHOICE TITLE & ESCRO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054360903
Date	Nov 20, 2018
Book Page	5436/0903
Instrument	2018171097

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	396 Months
Due	Nov 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1816 Roper Rd was $1,739 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$1,739.00 Homeowner's exemption	$140,071	$326,900 Land $65,000 Building $261,900
2023	$1,621.00 (+4.38%) Homeowner's exemption	$132,160 (+3%)	$332,800 (+30.1%) Land $60,000 Building $272,800
2022	$1,553.00 Homeowner's exemption	$128,311	$255,800 Land $55,000 Building $200,800

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

Flood

FEMA maps place 1816 Roper Rd in Zone X, an area of minimal flood risk.

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 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 1816 Roper Rd is moderate, ranking above 54% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Xfinity.

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