1831 Carroll Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1831 Carroll Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,220 sqft · built 1969
Lot Size	0.344 acres (14,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Aug 2021)
Tax Bill	$5,360 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-26-31-4460-000H-8370`

Property Details

APN / Parcel Number

Primary APN	`01-26-31-4460-000H-8370`
Alternative APNs	`2631014460000H8370` `95146`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	3,772 sqft
1st Floor Area	1,688 sqft
Upper Floors Area	532 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	100 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	624 sqft
Porch	Enclosed/Finished Porch
Porch Area	168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1831 CARROLL DR
City	SAINT CLOUD
State	FL
Zip	34771-9737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES UNIT 1 PB 1 PG 358 BLK H LOTS 836-838
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	H
Legal Lot Number	837
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1012
Census Tract	43801

Owner

Source: Osceola County records, as of June 9, 2026

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 Record
Mailing Address	1831 CARROLL DR, SAINT CLOUD, FL 34771-9737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Apr 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Dec 2, 2005 · Amount on Record
Deed Document Number	2021131129
Deed Book / Page	6028 / 2360
Prior Transfer Date	Feb 13, 1997
Prior Transfer Doc	0013800348
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2026
Property Address	1831 CARROLL DR, SAINT CLOUD, FL 34771-9737
Document Number	0000067775
Book / Page	6975 / 2856
Instrument Date	May 16, 2026
Instrument	202667775
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERISAVE MORTGAGE CORPORATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 CARROLL DR, SAINT CLOUD, FL 34771-9737

Mortgage

Document Number	0000067775,
Date	May 22, 2026
Book Page	6975/2856
Instrument	202667775

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 24, 2021
Property Address	1831 CARROLL DR, SAINT CLOUD, FL 34771-9737
Document Number	0060282360
Book / Page	6028 / 2360
Map Reference	MB 1 PG 538
Instrument Date	Jul 30, 2021
Instrument	2021131129
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1377 MAINSAIL LN, 1377, SAINT CLOUD, FL 34771-7415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 CARROLL DR, SAINT CLOUD, FL 34771-9737

Mortgage

Document Number	60282361
Date	Aug 24, 2021
Instrument	6028/2361

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 10, 2018
Property Address	1831 CARROLL DR, SAINT CLOUD, FL 34771-9737
Document Number	0053142415
Book / Page	005314 / 002415
Instrument Date	Mar 29, 2018
Instrument	56423
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1831 CARROLL DR ST CLOUD FL 347719737, ST CLOUD, FL 34771-9737

Tax Assessment & Valuation

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	$5,360.00 (+5.87%) Homeowner's exemption	$324,878 (+5.99%)	$448,700 (+19.59%) Land $70,000 Building $378,700
2024	$5,063.00 (+2.01%)
2023	$4,963.00 (+18.9%) Homeowner's exemption	$306,528 (+3%)	$375,200 (+26.08%) Land $49,500 Building $325,700
2022	$4,174.00 Homeowner's exemption	$297,600 Land $38,500 Building $259,100	$297,600 Land $38,500 Building $259,100

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 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 Record 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

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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