1820 Gold Crest Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1820 Gold Crest Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,025 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$313,332 (Mar 2020)
Tax Bill	$5,488 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052631064300010070`

Property Details

APN / Parcel Number

Primary APN	`052631064300010070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,025 sqft Heated Area
Gross Area	2,623 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1820 GOLD CREST DR
City	SAINT CLOUD
State	FL
Zip	34771-8620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERCREST AT NARCOOSSEE PB 28 PGS 48-49 LOT 7
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	RIVERCREST AT NARCOOSSEE
Legal Tract	643
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3052
Census Tract	43700

Owner

1820 Gold Crest Dr is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1820 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Mar 10, 2020	Grant Deed, Transfer KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2020 · Amount on File
Deed Sale	Mar 10, 2020 · Amount on File
Deed Document Number	2020034829
Deed Book / Page	5689 / 1635
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1820 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 GOLD CREST DR, SAINT CLOUD, FL 34771-8620

Mortgage

Document Number	0059152620
Date	Mar 19, 2021
Book Page	5915/2620
Instrument	2021040977

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2020
Property Address	1820 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Document Number	0056891635
Book / Page	005689 / 001635
Instrument Date	Mar 9, 2020
Instrument	34829
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,193.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1820 GOLD CREST DR ST CLOUD FL 347718620, ST CLOUD, FL 34771-8620

Mortgage

Document Number	56891637
Date	Mar 10, 2020
Book Page	005689/001637
Instrument	34830

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1820 Gold Crest Dr was $5,488 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	$5,488.00 Homeowner's exemption	$349,500 Land $65,000 Building $284,500	$349,500 Land $65,000 Building $284,500
2023	$5,315.00 (+2.27%) Homeowner's exemption	$337,300 (+12.36%) Land $60,000 Building $277,300	$337,300 (+12.36%) Land $60,000 Building $277,300
2022	$5,197.00	$300,200 Land $54,000 Building $246,200	$300,200 Land $54,000 Building $246,200

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

Flood

FEMA maps place 1820 Gold Crest Dr 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 1820 Gold Crest Dr 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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