Osceola County property record for 1817 Roper Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,979 sqft · built 2003 |
| Lot Size | 0.216 acres (9,408 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $264,000 (May 2020) |
| Tax Bill | $4,404 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Aug 2023 Second Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-26-31-0007-0001-0350 |
| Primary APN | 05-26-31-0007-0001-0350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,979 sqft Living Area |
| Gross Area | 3,539 sqft |
| 1st Floor Area | 1,256 sqft |
| Upper Floors Area | 1,723 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,408 sqft (0.216 acres) |
| Lot Dimensions | 115 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Metal Porch |
| Porch Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1817 ROPER RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-1713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | ASHTON PARK PB 13 PG 157-158 LOT 35 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 05 |
| Legal Subdivision | ASHTON PARK |
| Legal Tract | 7 |
| Legal Block | 350 |
| Legal Lot Number | 35 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 43700 |
Source: Osceola County records · APN 05-26-31-0007-0001-0350
Assessment roll updated November 26, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Aug 02, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Aug 14, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jul 09, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| May 27, 2020 | Warranty Deed, Transfer FIDELITY NATL TTL OF FL INC |
| May 27, 2020 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Sep 24, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 24, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 27, 2020 · Amount on Record |
| Deed Sale | May 27, 2020 · Amount on Record |
| Prior Sale | May 27, 2020 |
| Deed Document Number | 202068656 |
| Deed Book / Page | 5728 / 225 |
| Prior Transfer Date | Jul 27, 2010 |
| Prior Transfer Doc | 0040401611 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0061491434 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 6149/1434 |
| Instrument | 2022023938 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0064510438 |
|---|---|
| Date | Aug 02, 2023 |
| Book Page | 6451/438 |
| Instrument | 2023100364 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0064562425 |
|---|---|
| Date | Aug 14, 2023 |
| Book Page | 6456/2425 |
| Instrument | 2023105259 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0068152313 |
|---|---|
| Date | Jul 09, 2025 |
| Book Page | 6815/2313 |
| Instrument | 2025084831 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 27, 2020 |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0057280225 |
| Book / Page | 5728 / 225 |
| Map Reference | VOL 13 PG 157&158 |
| Instrument Date | May 22, 2020 |
| Instrument | 2020068656 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,848.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 27, 2020 |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0057280223 |
| Book / Page | 005728 / 000223 |
| Instrument Date | Mar 02, 2020 |
| Instrument | 68655 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1817 ROPER RD ST CLOUD FL 347711713, ST CLOUD, FL 34771-1713 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2019 |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0055941386 |
| Book / Page | 005594 / 001386 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 123323 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD ST CLOUD FL 347711713, ST CLOUD, FL 34771-1713 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2019 |
| Property Address | 1817 ROPER RD, SAINT CLOUD, FL 34771-1713 |
| Document Number | 0055941384 |
| Book / Page | 005594 / 001384 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 123322 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1817 ROPER RD ST CLOUD FL 347711713, ST CLOUD, FL 34771-1713 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,404.00 (+3.45%) Homeowner's exemption | $288,974 (+5.99%) | $391,400 (-2.59%) Land $65,000 Building $326,400 |
| 2024 | $4,257.00 (+2.55%) | ||
| 2023 | $4,151.00 (+3.49%) Homeowner's exemption | $272,651 (+3%) | $401,800 (+32.21%) Land $60,000 Building $341,800 |
| 2022 | $4,011.00 Homeowner's exemption | $264,710 | $303,900 Land $55,000 Building $248,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Lumen Technologies, Verizon, Xfinity.
Based on FCC filings for 226 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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