Osceola County property record for 1838 Midland Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,286 sqft · built 1972 |
| Lot Size | 1.79 acres (78,277 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Mar 2026) |
| Tax Bill | $2,797 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jan 2022 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-31-0000-0085-0000 |
| Primary APN | 01-26-31-0000-0085-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,286 sqft Living Area |
| Gross Area | 1,450 sqft |
| 1st Floor Area | 1,286 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 78,277 sqft (1.79 acres) |
| Garage Type | Carport |
| Garage Area | 120 sqft |
| Carport | Carport |
| Carport Area | 120 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Utility Building | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1838 MIDLAND DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E-2 |
| Legal Description | BEG INTERSEC OF S R/W PINE GROVE RD & W R/W MIDLAND DR OF OAKWOOD SHORES UNIT 1 AS SHOWN ON PLAT, RUN N 64 DEG 34 MIN W 88 FT, S 16 DEG 54 MIN W 593.54 FT, S 64 DEG 34 MIN E 189.59 FT, N 10 DEG 11 MIN E 327.25 FT, N 87 DEG 30 MIN E 23.67 FT N 2 DEG 3 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ACREAGE & UNREC |
| Legal Tract | 0000 |
| Legal Block | 85 |
| Legal Lot Number | 85 |
| Legal Unit | 1A |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
Source: Osceola County records · APN 01-26-31-0000-0085-0000
Assessment roll updated November 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Mar 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 04, 2022 | Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Jul 16, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Apr 30, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on Record |
| Deed Sale | Mar 16, 2026 · Amount on Record |
| Prior Sale | Jan 04, 2022 · Amount on Record |
| Deed Document Number | 202634015 |
| Deed Book / Page | 6937 / 1898 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 16, 2026 |
| Property Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Document Number | 0069371898 |
| Book / Page | 6937 / 1898 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 2026034015 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Name | Verified Name |
|---|---|
| Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Document Number | 0069371901 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 6937/1901 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 04, 2022 |
| Property Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Document Number | 0061211312 |
| Book / Page | 6121 / 1312 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022001187 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,205.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3164 WHISPER WIND DR, 3164, SAINT CLOUD, FL 34771-7896 |
| Name | Verified Name |
|---|---|
| Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 16, 2021 |
| Property Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Document Number | 0060032952 |
| Book / Page | 6003 / 2952 |
| Instrument Date | Jul 09, 2021 |
| Instrument | 2021110810 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 795 CRESTWOOD RD, 795, ENGLEWOOD, FL 34223-3970 |
| Name | Verified Name |
|---|---|
| Address | 3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 30, 2021 |
| Property Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
| Document Number | 0059481990 |
| Book / Page | 5948 / 1990 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2021066704 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11509 SANDY HILL DR, 11509, ORLANDO, FL 32821-7910 |
| Name | Verified Name |
|---|---|
| Address | 1838 MIDLAND DR, SAINT CLOUD, FL 34771-9791 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,797.00 (+5.91%) Homeowner's exemption | $191,337 (+5.99%) | $219,500 (+1.48%) Land $44,100 Building $175,400 |
| 2024 | $2,641.00 (+2.29%) | ||
| 2023 | $2,582.00 (+4.79%) Homeowner's exemption | $180,530 (+3%) | $216,300 (+13.42%) Land $44,100 Building $172,200 |
| 2022 | $2,464.00 Homeowner's exemption | $175,272 | $190,700 Land $44,100 Building $146,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | High above 83% of the US · above 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 64 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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