1840 Lillian Dr, Saint Cloud, FL 34771 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 1981
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Nov 2025)
Tax Bill	$4,377 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`0126314460000E5120`

Property Details

APN / Parcel Number

Primary APN	`0126314460000E5120`
Alternative APN	`95047`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,660 sqft Heated Area
Gross Area	1,840 sqft
1st Floor Area	740 sqft
Upper Floors Area	920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	100 ft deep x 83 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	450 sqft
Deck Area	590 sqft
Patio Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95047
Street Address	1840 LILLIAN DR
City	SAINT CLOUD
State	FL
Zip	34771-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES UNIT 1 PB 1 PG 358 BLK E LOT 512 & N 33.21 FT OF LOT 513
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	E
Legal Lot Number	512-513 513
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1039
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	Individual Name on Record
Mailing Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 20, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 16, 2017	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2025 · Amount on Record
Deed Sale	Nov 20, 2025 · Amount on Record
Prior Sale	Aug 22, 2024 · Amount on Record
Deed Document Number	2025143298
Deed Book / Page	6883 / 655
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787

Mortgage

Document Number	0059722527
Date	Jun 3, 2021
Book Page	5972/2527
Instrument	2021086349

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Mar 1, 2047

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2025
Property Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787
Document Number	0068830655
Book / Page	6883 / 655
Map Reference	MB 1 PG 358
Instrument Date	Nov 18, 2025
Instrument	2025143298
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11954 NARCOOSSEE RD # 232, 232, ORLANDO, FL 32832-6998

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787

Mortgage

Document Number	0006883657
Date	Nov 20, 2025
Instrument	6883/657

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 16, 2017
Property Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787
Document Number	0051031905
Book / Page	5103 / 1905
Map Reference	MB1 PG358
Instrument Date	Feb 10, 2017
Instrument	2017026362
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$804.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 702061, SAINT CLOUD, FL 34770-2061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 LILLIAN DR, SAINT CLOUD, FL 34771-9787

Mortgage

Document Number	0051031908
Date	Feb 16, 2017
Book Page	5103/1908
Instrument	2017026363

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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	$4,377.00 (+153.59%)	$264,500 (+121.04%) Land $70,000 Building $194,500	$264,500 (+0.15%) Land $70,000 Building $194,500
2024	$1,726.00 (-46.33%) Homeowner's exemption	$119,660 (+3%)	$264,100 (+35.16%) Land $70,000 Building $194,100
2023	$3,216.00 (+3.28%) Homeowner's exemption	$116,175 (+3%)	$195,400 (+17.22%) Land $27,000 Building $168,400
2022	$3,114.00 Homeowner's exemption	$112,792	$166,700 Land $21,000 Building $145,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 82% of the US · above 72% of Florida
Wildfire Likelihood	0.6% 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	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 64 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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