Osceola County property record for 1818 Overcup Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 2020 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Aug 2023) |
| Tax Bill | $1,881 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-26-31-0637-0001-0320 |
| Primary APN | 06-26-31-0637-0001-0320 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 2,105 sqft |
| 1st Floor Area | 1,638 sqft |
| Flooring | Carpet |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1818 OVERCUP AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-4880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 32 |
| Legal Subdivision | OAKTREE POINTE VILLAS |
| Legal Lot Number | 32 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43600 |
Source: Osceola County records · APN 06-26-31-0637-0001-0320
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1818 OVERCUP AVE, SAINT CLOUD, FL 34771-4880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Aug 21, 2023 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 09, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 2023 · Amount on Record |
| Deed Sale | Aug 21, 2023 · Amount on Record |
| Prior Sale | Oct 09, 2020 · Amount on Record |
| Deed Document Number | 2023109161 |
| Deed Book / Page | 6460 / 1446 |
| Last Transfer Date | Oct 26, 2023 |
| Transfer Doc | 0000142313 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 21, 2023 |
| Property Address | 1818 OVERCUP AVE, SAINT CLOUD, FL 34771-4880 |
| Document Number | 0064601446 |
| Book / Page | 6460 / 1446 |
| Map Reference | MB 26 PG 73&74 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023109161 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2023 |
| Title Company | FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1818 OVERCUP AVE, SAINT CLOUD, FL 34771-4880 |
| Document Number | 0064601447 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 6460/1447 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 09, 2020 |
| Property Address | 1818 OVERCUP AVE, SAINT CLOUD, FL 34771-4880 |
| Document Number | 0058092913 |
| Book / Page | 5809 / 2913 |
| Map Reference | MB 26 PG 73-74 |
| Instrument Date | Oct 07, 2020 |
| Instrument | 2020136385 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,698.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 777 S FLAGLER DR # DR800W, 777, WEST PALM BEACH, FL 33401-6161 |
| Name | Verified Name |
|---|---|
| Address | 417 W SOUTH PARK AVE, OSHKOSH, WI 54902-6568 |
| Document Number | 0058092915 |
|---|---|
| Date | Oct 09, 2020 |
| Instrument | 5809/2915 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,881.00 (+4.1%) | $157,987 (-27.18%) | $318,100 (+8.94%) Land $65,000 Building $253,100 |
| 2024 | $1,807.00 (-42.6%) | ||
| 2023 | $3,148.00 (+3.69%) Homeowner's exemption | $216,954 (+3%) | $292,000 (+20.21%) Land $65,000 Building $227,000 |
| 2022 | $3,036.00 Homeowner's exemption | $210,635 | $242,900 Land $50,000 Building $192,900 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 148 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 5 (2016–2022) |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 61% of the US · lower than 63% 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 | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Lumen Technologies, Verizon, Xfinity.
Based on FCC filings for 83 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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