1824 Cherrywood Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1824 Cherrywood Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,414 sqft · built 1984
Lot Size	0.407 acres (17,729 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jul 2015)
Tax Bill	$3,803 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82787`

Property Details

APN / Parcel Number

Primary APN	`82787`
Alternative APN	`042630091400010120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,414 sqft Heated Area
Gross Area	4,791 sqft
1st Floor Area	2,008 sqft
Upper Floors Area	1,178 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,729 sqft (0.407 acres)
Lot Dimensions	165 ft deep x 91 ft wide
Garage Type	Finished
Garage Area	584 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Enclosed Porch
Porch Area	931 sqft
Deck Area	1,260 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	82787
Street Address	1824 CHERRYWOOD CT
City	SAINT CLOUD
State	FL
Zip	34769-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	PINE LAKE ESTATES UNIT 7 REPLAT PB 2 PG 262 LOT 12 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	914
Legal Block	1
Legal Lot Number	9,12 9
Legal Unit	7R
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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	1824 CHERRYWOOD CT, SAINT CLOUD, FL 34769-1627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 9, 2015 · Amount on Record
Deed Sale	Jul 9, 2015 · Amount on Record
Prior Sale	Mar 19, 2004 · Amount on Record
Deed Document Number	2015097322
Deed Book / Page	4806 / 0733
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1824 CHERRYWOOD CT, SAINT CLOUD, FL 34769-1627
Document Number	0057331277
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	ALL FLORIDA TITLE COMPANY INC, ALL FLORIDA TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1824 CHERRYWOOD CT ST CLOUD FL 347691627, ST CLOUD, FL 34769-1627

Mortgage

Document Number	0057331277
Date	Jun 8, 2020
Book Page	005733/001277
Instrument	72916

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Tax Assessment & Valuation

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	$3,803.00 (+6.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$260,383 (+5.99%)	$512,300 (-4.58%) Land $65,000 Building $447,300
2023	$3,575.00 (+3.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$245,675 (+3%)	$536,900 (+16.14%) Land $60,000 Building $476,900
2022	$3,449.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$238,520	$462,300 Land $55,000 Building $407,300

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

Flood

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 Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20