1837 River Crest Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1837 River Crest Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,340 sqft · built 2021
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$384,580 (Jun 2021)
Tax Bill	$4 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052631064300010400`

Property Details

APN / Parcel Number

Primary APN	`052631064300010400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,340 sqft Heated Area
Gross Area	2,923 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	5,227 sqft (0.119 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1837 RIVER CREST AVE
City	SAINT CLOUD
State	FL
Zip	34771-8651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERCREST AT NARCOOSSEE PB 28 PGS 48-49 LOT 40
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	RIVERCREST AT NARCOOSSEE
Legal Tract	643
Legal Lot Number	40
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3052
Census Tract	43700

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
Mailing Address	1837 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jun 22, 2021	Special Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2021 · Amount on Record
Deed Sale	Jun 22, 2021 · Amount on Record
Deed Document Number	2021097454
Deed Book / Page	5986 / 1395
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1837 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1837 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651

Mortgage

Document Number	0064862130
Date	Oct 9, 2023
Book Page	6486/2130
Instrument	2023132597

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2038

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2021
Property Address	1837 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Document Number	0059861395
Book / Page	5986 / 1395
Map Reference	MB 28 PG 48&49
Instrument Date	Jun 17, 2021
Instrument	2021097454
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,692.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1837 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651

Mortgage

Document Number	0059861397
Date	Jun 22, 2021
Instrument	5986/1397

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$341,943 (+8.28%)	$363,700 (+5.67%) Land $65,000 Building $298,700
2023	$4.00 (-99.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$315,798 (+3%)	$344,200 (+12.26%) Land $60,000 Building $284,200
2022	$4,676.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$306,600 Land $54,000 Building $252,600	$306,600 Land $54,000 Building $252,600

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
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	Moderate above 57% of the US · lower than 71% 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Xfinity.

Nearby Properties on River Crest Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures