Osceola County property record for 1823 Overcup Ave, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,473 sqft · built 2020 |
| Lot Size | 0.08 acres (3,484 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,890 (Nov 2020) |
| Tax Bill | $3,153 (2025) |
| Deeds & Mortgages | Mar 2023 Transfer Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-26-31-0637-0001-0360 |
| Primary APN | 06-26-31-0637-0001-0360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,473 sqft Living Area |
| Gross Area | 1,950 sqft |
| 1st Floor Area | 1,473 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 3,484 sqft (0.08 acres) |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1823 OVERCUP AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-4881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 36 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | OAKTREE POINTE VILLAS |
| Legal Lot Number | 36 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43600 |
Source: Osceola County records · APN 06-26-31-0637-0001-0360
Assessment roll updated November 26, 2025 · Last verified April 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 | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Mar 08, 2023 | Intrafamily Transfer, Transfer |
| Apr 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Nov 04, 2020 | Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2020 · Amount on Record |
| Deed Sale | Nov 04, 2020 · Amount on Record |
| Deed Document Number | 2020149969 |
| Deed Book / Page | 5826 / 247 |
| Last Transfer Date | Mar 02, 2023 |
| Transfer Doc | 0063681811 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 08, 2023 |
| Property Address | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0063681811 |
| Book / Page | 6368 / 1811 |
| Map Reference | MB 26 PG 73&74 |
| Instrument Date | Mar 02, 2023 |
| Instrument | 2023027427 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Name | Verified Name |
|---|---|
| Address | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0061941646 |
|---|---|
| Date | Apr 18, 2022 |
| Book Page | 6194/1646 |
| Instrument | 2022059803 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Nov 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 04, 2020 |
| Property Address | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0058260247 |
| Book / Page | 5826 / 247 |
| Map Reference | MB 26 PG 73&74 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2020149969 |
| 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 | $1,616.30 |
| 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 | 1823 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0005826249 |
|---|---|
| Date | Nov 04, 2020 |
| Instrument | 5826/249 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $3,153.00 (+3.58%) Homeowner's exemption | $219,034 (+5.99%) | $302,500 (+8.38%) Land $65,000 Building $237,500 |
| 2024 | $3,044.00 (+2.73%) | ||
| 2023 | $2,963.00 (+3.75%) Homeowner's exemption | $206,663 (+3%) | $279,100 (+20.3%) Land $65,000 Building $214,100 |
| 2022 | $2,856.00 Homeowner's exemption | $200,644 | $232,000 Land $50,000 Building $182,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 62% of the US · above 36% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 469 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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