1827 Bonnie Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1827 Bonnie Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,856 sqft · built 1966
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$372,000 (Sep 2023)
Tax Bill	$4,520 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-26-31-4460-000G-7390`

Property Details

APN / Parcel Number

Primary APN	`01-26-31-4460-000G-7390`
Alternative APNs	`2631014460000G7390` `95114`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,252 sqft
1st Floor Area	928 sqft
Upper Floors Area	928 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	100 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1827 BONNIE DR
City	SAINT CLOUD
State	FL
Zip	34771-9758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES UNIT 1 PB 1 PG 358 BLK G LOTS 705, 738, 739 & 740
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	G
Legal Lot Number	739
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1041
Census Tract	43801

Owner

1827 Bonnie Dr is owned by an individual who bought it in September 2023.

Source: Osceola County records, as of May 26, 2026

Owner of Record	Individual Name on File
Mailing Address	14418 FLO RD, ORLANDO, FL 32832-6566
Owner Type	Individual
Vesting	Unmarried Man

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
Sep 19, 2023	Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC
Jun 20, 2017	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Jun 20, 2017 · Amount on File
Deed Document Number	2023123396
Deed Book / Page	6476 / 1166
Prior Transfer Date	Oct 1, 2004
Prior Transfer Doc	0000204876
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 19, 2023
Property Address	1827 BONNIE DR, SAINT CLOUD, FL 34771-9758
Document Number	0064761166
Book / Page	6476 / 1166
Map Reference	MB 1 PG 358
Instrument Date	Aug 10, 2023
Instrument	2023123396
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	ELEVATED TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,604.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6111 OAK SHORE DR, SAINT CLOUD, FL 34771-8748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14418 FLO RD, ORLANDO, FL 32832-6566

Mortgage

Document Number	0064761168
Date	Sep 19, 2023
Instrument	6476/1168

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Mortgage

Document Number	0064761181
Date	Sep 19, 2023
Book Page	6476/1181
Instrument	2023123398

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 20, 2017
Property Address	1827 BONNIE DR, SAINT CLOUD, FL 34771-9758
Document Number	0051661873
Book / Page	005166 / 001873
Instrument Date	Jun 16, 2017
Instrument	89468
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
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	1827 BONNIE DR ST CLOUD FL 347719758, ST CLOUD, FL 34771-9758

Mortgage

Document Number	51661874
Date	Jun 20, 2017
Book Page	005166/001874
Instrument	89469

Lender

Name	RESIDENTIAL ACCPTNC
Address	TAMPA, FL 33607

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1827 Bonnie Dr was $4,520, up 2% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,520.00 (+2.01%)	$320,700 Land $77,000 Building $243,700	$320,700 Land $77,000 Building $243,700
2024	$4,431.00 (+107.06%)
2023	$2,140.00 (+5.16%) Homeowner's exemption	$148,883 (+3%)	$219,500 (+20.01%) Land $49,500 Building $170,000
2022	$2,035.00 Homeowner's exemption	$144,547	$182,900 Land $38,500 Building $144,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1827 Bonnie Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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 1827 Bonnie Dr is high, ranking above 84% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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