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1838 Gold Crest Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1838 Gold Crest Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,759 sqft · built 2021
Lot Size0.13 acres (5,662 sqft)
OwnerIndividual Name on Record
Last Sale$282,374 (Jun 2021)
Tax Bill$4,715 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-26-31-0643-0001-0160

Property Details

APN / Parcel Number

Primary APN05-26-31-0643-0001-0160
Alternative APN
  • 263105064300010160

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,759 sqft Living Area
Gross Area2,294 sqft
1st Floor Area1,759 sqft
FlooringTile

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area399 sqft
PorchFlorida Room

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1838 GOLD CREST DR
CitySAINT CLOUD
StateFL
Zip34771-8620
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERCREST AT NARCOOSSEE PB 28 PGS 48-49 LOT 16
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionRIVERCREST AT NARCOOSSEE
Legal Lot Number16
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3052
Census Tract43700

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address1838 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 9, 2021 · Amount on Record
Deed SaleJun 9, 2021 · Amount on Record
Deed Document Number202189882
Deed Book / Page5977 / 1388
Last Transfer DateJul 28, 2025
Transfer Doc0068310996
Record UpdatedSep 20, 2026

June 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 9, 2021
Property Address1838 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Document Number0059771388
Book / Page5977 / 1388
Map ReferenceMB 28 PG 48&49
Instrument DateJun 8, 2021
Instrument2021089882
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,976.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
Address1838 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
InvestorPossibly a Property Investor

Mortgage

Document Number0059771390
DateJun 9, 2021
Instrument5977/1390
Lender
NameKBHS HOME LOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,715.00 (+3.44%)$306,320 (+5.99%)$326,800 (+3.75%) Land $65,000 Building $261,800
2024$4,558.00 (+2.52%)
2023$4,446.00 (+3.47%) Homeowner's exemption$289,018 (+3%)$315,000 (+12.26%) Land $60,000 Building $255,000
2022$4,297.00 Homeowner's exemption$280,600 Land $54,000 Building $226,600$280,600 Land $54,000 Building $226,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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 RiskModerate
above 47% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 145 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30

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

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