1831 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1831 Overcup Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 2021
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$323,000 (Jan 2023)
Tax Bill	$5,053 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062631063700010380`

Property Details

APN / Parcel Number

Primary APN	`062631063700010380`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,702 sqft Heated Area
Gross Area	2,093 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1831 OVERCUP AVE
City	SAINT CLOUD
State	FL
Zip	34771-4881
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 38
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	129 LEXINGTON DR, MCMURRAY, PA 15317-3639
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Feb 2, 2021	Special Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Feb 2, 2021 · Amount on Record
Deed Document Number	2023008296
Deed Book / Page	6347 / 2206
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 23, 2023
Property Address	1831 OVERCUP AVE, SAINT CLOUD, FL 34771-4881
Document Number	0063472206
Book / Page	6347 / 2206
Map Reference	MB 26 PG 73&74
Instrument Date	Jan 20, 2023
Instrument	2023008296
Transaction Type	Transfer
Record Updated	Feb 6, 2023
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	$2,261.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	284 PINE VALLEY RD, SAINT CLOUD, FL 34769-1498

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 OVERCUP AVE, SAINT CLOUD, FL 34771-4881

Mortgage

Document Number	0063472207
Date	Jan 23, 2023
Instrument	6347/2207

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 2, 2021
Property Address	1831 OVERCUP AVE, SAINT CLOUD, FL 34771-4881
Document Number	0058820573
Book / Page	5882 / 573
Map Reference	MB 26 PG 73&74
Instrument Date	Feb 1, 2021
Instrument	2021014538
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,730.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1831 OVERCUP AVE, SAINT CLOUD, FL 34771-4881

Mortgage

Document Number	0005882575
Date	Feb 2, 2021
Instrument	5882/575

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$5,053.00 (-0.9%)	$282,100 (-4.76%) Land $65,000 Building $217,100	$282,100 (-4.76%) Land $65,000 Building $217,100
2023	$5,099.00 (+12.24%)	$296,200 (+17.59%) Land $65,000 Building $231,200	$296,200 (+17.59%) Land $65,000 Building $231,200
2022	$4,543.00	$251,900 Land $50,000 Building $201,900	$251,900 Land $50,000 Building $201,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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.

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