1843 Richardson Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1843 Richardson Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 2004
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$357,500 (Aug 2025)
Tax Bill	$3,018 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`0126314460000E5280`

Property Details

APN / Parcel Number

Primary APN	`0126314460000E5280`
Alternative APN	`95059`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,445 sqft Heated Area
Gross Area	1,995 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95059
Street Address	1843 RICHARDSON DR
City	SAINT CLOUD
State	FL
Zip	34771-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORESUNIT 1 PB 1 PG 358 BLK E LOTS 526, 527 & 528
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	E
Legal Lot Number	526-528
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	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
Apr 27, 2020	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Sep 20, 2019	Grant Deed, Transfer PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SVCS FL INC
Jan 30, 2019	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	2025105365
Deed Book / Page	6839 / 1174
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2025
Property Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461
Document Number	0068391174
Book / Page	6839 / 1174
Map Reference	MB 1 PG 358
Instrument Date	Aug 20, 2025
Instrument	2025105365
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,502.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461

Mortgage

Document Number	0068391176
Date	Aug 22, 2025
Instrument	6839/1176

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461

Mortgage

Document Number	0060212795
Date	Aug 13, 2021
Book Page	6021/2795
Instrument	2021125453

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2020
Property Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461
Document Number	0057132652
Book / Page	5713 / 2652
Map Reference	MB 1 PG 358
Instrument Date	Apr 24, 2020
Instrument	2020056867
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,722.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3406 PERCHING RD, 3406, SAINT CLOUD, FL 34772-7769

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461

Mortgage

Document Number	0057132654
Date	Apr 27, 2020
Instrument	5713/2654

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2019
Property Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461
Document Number	0055930851
Book / Page	005593 / 000851
Instrument Date	Sep 10, 2019
Instrument	122228
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	PREMIUM TITLE SERVICES FL INC, PREMIUM TITLE SVCS FL INC

Transaction

Amount	Amount Recorded
Tax	$1,018.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3406 PERCHING RD ST CLOUD FL 347727769, ST CLOUD, FL 34772-7769

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2019
Property Address	1843 RICHARDSON DR, SAINT CLOUD, FL 34771-9461
Document Number	0054692129
Book / Page	005469 / 002129
Instrument Date	Jan 15, 2019
Instrument	12004
Transaction Type	Foreclosure
Record Updated	Feb 12, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5720 PREMIER PARK DR WEST PALM BEACH FL 334071610, WEST PALM BEACH, FL 33407-1610

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	$3,018.00 (+8.25%) Homeowner's exemption Disabled Person's exemption	$212,287 (+5.99%)	$321,400 (+22.67%) Land $70,000 Building $251,400
2023	$2,788.00 (+2.27%) Homeowner's exemption Disabled Person's exemption	$200,297 (+3%)	$262,000 (+19.36%) Land $45,000 Building $217,000
2022	$2,726.00 Homeowner's exemption Disabled Person's exemption	$194,464	$219,500 Land $35,000 Building $184,500

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 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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