1840 Bonnie Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1840 Bonnie Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,040 sqft · built 1985
Lot Size	0.519 acres (22,651 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,434 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`0126314460000F6110`

Property Details

APN / Parcel Number

Primary APN	`0126314460000F6110`
Alternative APN	`95074`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft Heated Area
Gross Area	1,230 sqft
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.519 acres)
Lot Dimensions	150 ft deep x 150 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	190 sqft
Fence	Fence
Utility Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95074
Street Address	1840 BONNIE DR
City	SAINT CLOUD
State	FL
Zip	34771-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES UNIT 1 BLK F LOTS 611 TO 613 INC PB 1 PG 358
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	F
Legal Lot Number	611-613
Legal Unit	1B
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1043
Census Tract	43801

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	2 Individual Names on Record
Mailing Address	1840 BONNIE DR, SAINT CLOUD, FL 34771-9757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jan 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2025
Deed Sale	Apr 20, 2025
Prior Sale	May 8, 2006 · Amount on Record
Deed Document Number	2010011698
Deed Book / Page	3942 / 0159
Prior Transfer Date	Jan 27, 2010
Prior Transfer Doc	2010011698
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1840 BONNIE DR, SAINT CLOUD, FL 34771-9757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 BONNIE DR, SAINT CLOUD, FL 34771-9757

Mortgage

Document Number	0058400318
Date	Nov 25, 2020
Book Page	5840/318
Instrument	2020161455

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1840 BONNIE DR, SAINT CLOUD, FL 34771-9757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055770713
Date	Aug 21, 2019
Book Page	5577/0713
Instrument	2019108521

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1840 BONNIE DR, SAINT CLOUD, FL 34771-9757
Document Number	0050881709
Book / Page	005088 / 001709
Instrument Date	Jan 12, 2017
Transaction Type	Mortgage
Record Updated	Feb 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1840 BONNIE DR ST CLOUD FL 347719757, ST CLOUD, FL 34771-9757

Mortgage

Document Number	0050881709
Date	Jan 19, 2017
Book Page	005088/001709
Instrument	10838

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 18, 2037

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,434.00 (+11.6%) Homeowner's exemption	$92,944 (+5.99%)	$225,100 (+22.54%) Land $70,000 Building $155,100
2023	$1,285.00 (+6.64%) Homeowner's exemption	$87,695 (+3%)	$183,700 (+20.14%) Land $49,500 Building $134,200
2022	$1,205.00 Homeowner's exemption	$85,141	$152,900 Land $38,500 Building $114,400

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 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

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 84% of the US · above 75% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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