1826 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1826 Overcup Ave, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,457 sqft · built 2020
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$235,540 (Sep 2020)
Tax Bill	$3,128 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0637-0001-0300`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0637-0001-0300`
Alternative APN	`263106063700010300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,457 sqft Living Area
Gross Area	1,934 sqft
1st Floor Area	1,457 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	378 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1826 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 30
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Lot Number	30
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records · APN 06-26-31-0637-0001-0300

Assessment roll updated November 26, 2025 · Last verified August 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	1826 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 01, 2020 · Amount on Record
Deed Sale	Sep 01, 2020 · Amount on Record
Deed Document Number	2020115953
Deed Book / Page	5785 / 1176
Record Updated	Sep 20, 2026

September 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 01, 2020
Property Address	1826 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0057851176
Book / Page	5785 / 1176
Map Reference	MB 26 PG 73&74
Instrument Date	Aug 31, 2020
Instrument	2020115953
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,649.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	777 S FLAGLER DR # DR800W, 777, WEST PALM BEACH, FL 33401-6161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1826 OVERCUP AVE, SAINT CLOUD, FL 34771-4880

Mortgage

Document Number	0057851178
Date	Sep 01, 2020
Instrument	5785/1178

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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

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	$3,128.00 (+6.39%) Homeowner's exemption	$217,461 (+5.99%)	$300,300 (+8.14%) Land $65,000 Building $235,300
2023	$2,940.00 (+3.74%) Homeowner's exemption	$205,178 (+3%)	$277,700 (+20.32%) Land $65,000 Building $212,700
2022	$2,834.00 Homeowner's exemption	$199,202	$230,800 Land $50,000 Building $180,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 148 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 83 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Xfinity, Lumen Technologies, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.