1832 Castleton Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1832 Castleton Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,557 sqft · built 2018
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,900 (Oct 2018)
Tax Bill	$4 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0172-0001-0770`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0172-0001-0770`
Alternative APN	`263104017200010770`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,557 sqft Living Area
Gross Area	3,428 sqft
1st Floor Area	1,059 sqft
Upper Floors Area	1,498 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	430 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1832 CASTLETON DR
City	SAINT CLOUD
State	FL
Zip	34771-7694
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 77
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK EAST PH 1
Legal Phase	1
Legal Tract	172
Legal Block	770
Legal Lot Number	77
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

Source: Osceola County records, as of September 17, 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	1493 REFLECTION CV, SAINT CLOUD, FL 34771-7508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Apr 7, 2021	Deed of Trust, Mortgage · VA Mortgage GATEWAY CAPITAL MORTGAGE INC
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY CAPITAL MORTGAGE INC
Oct 29, 2018	Special Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Oct 1, 2016 · Amount on Record
Deed Document Number	2018161612
Deed Book / Page	5425 / 2273
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2026
Property Address	1832 CASTLETON DR, SAINT CLOUD, FL 34771-7694
Document Number	0000117248
Book / Page	7032 / 1091
Instrument Date	Sep 3, 2026
Instrument	2026117248
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2519 HOT SPRINGS CT, COLORADO SPRINGS, CO 80919-3527

Mortgage

Document Number	0000117248,
Date	Sep 9, 2026
Book Page	7032/1091
Instrument	2026117248

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1832 CASTLETON DR, SAINT CLOUD, FL 34771-7694
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059301746
Date	Apr 7, 2021
Book Page	5930/1746
Instrument	2021052602

Lender

Name	GATEWAY CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33701

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1832 CASTLETON DR, SAINT CLOUD, FL 34771-7694
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055541480
Date	Jul 10, 2019
Book Page	5554/1480
Instrument	2019088465

Lender

Name	GATEWAY CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 29, 2018
Property Address	1832 CASTLETON DR, SAINT CLOUD, FL 34771-7694
Document Number	0054252273
Book / Page	5425 / 2273
Map Reference	MB24 PG97
Instrument Date	Oct 26, 2018
Instrument	2018161612
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,043.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 CASTLETON DR, SAINT CLOUD, FL 34771-7694

Mortgage

Document Number	2018161613
Date	Oct 29, 2018
Instrument	2018161613

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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	$4.00 Homeowner's exemption Veteran's exemption	$275,583 (+10.27%)	$391,800 (-2.44%) Land $75,000 Building $316,800
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$249,921 (+3%)	$401,600 (+14.32%) Land $65,000 Building $336,600
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$242,642	$351,300 Land $65,000 Building $286,300

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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