777 S FLAGLER DR # DR800W, 777, WEST PALM BEACH, FL 33401-6161
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Tenants by the Entirety
Address
1825 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Mortgage
Document Number
2019018357
Date
Feb 12, 2019
Instrument
2019018357
Lender
Name
HOME1ST LENDING LLC
Type
Lending Institution
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2049
Tax Assessment & Valuation
The 2025 property tax bill for 1825 Shumard Ave was $3,301 with a homeowner's exemption, up 3.5% from the year before.
Source: Osceola County assessment roll, as of November 26, 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
$3,301.00 (+3.54%)Homeowner's exemption
$227,345
$279,200Land $65,000Building $214,200
2024
$3,188.00 (+2.71%)
2023
$3,104.00 (+3.71%)Homeowner's exemption
$214,503 (+3%)
$293,400 (+20.2%)Land $65,000Building $228,400
2022
$2,993.00Homeowner's exemption
$208,256
$244,100Land $50,000Building $194,100
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 1825 Shumard Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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
Nearest Special Flood Hazard Area
Zone AE, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File 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
Hurricane Irma, Sep 2017 · 2 claims
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 1825 Shumard Ave is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood
0.1% 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 83 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
AT&T Fiber
5,000 / 5,000
Spectrum Cable
1,000 / 1,000
May also be available: CenturyLink, Verizon, Xfinity.