1844 Gold Crest Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1844 Gold Crest Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,982 sqft · built 2020
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,303 (Mar 2020)
Tax Bill	$6,543 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052631064300010190`

Property Details

APN / Parcel Number

Primary APN	`052631064300010190`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,982 sqft Heated Area
Gross Area	3,908 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	381 sqft
Porch	Open Porch
Deck Area	789 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1844 GOLD CREST DR
City	SAINT CLOUD
State	FL
Zip	34771-8620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERCREST AT NARCOOSSEE PB 28 PGS 48-49 LOT 19
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	RIVERCREST AT NARCOOSSEE
Legal Tract	643
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3052
Census Tract	43700

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	1844 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 2, 2020	Grant Deed, Transfer · VA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	2020030089
Deed Book / Page	5683 / 2575
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1844 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1844 GOLD CREST DR, SAINT CLOUD, FL 34771-8620

Mortgage

Document Number	0065690505
Date	Mar 22, 2024
Book Page	6569/505
Instrument	2024036776

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2020
Property Address	1844 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Document Number	0056832575
Book / Page	005683 / 002575
Instrument Date	Feb 28, 2020
Instrument	30089
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,487.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1844 GOLD CREST DR ST CLOUD FL 347718620, ST CLOUD, FL 34771-8620

Mortgage

Document Number	56832577
Date	Mar 2, 2020
Book Page	005683/002577
Instrument	30090

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,543.00 (+5.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$413,447 (+5.99%)	$493,300 (+3.79%) Land $65,000 Building $428,300
2023	$6,176.00 (+3.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$390,093 (+3%)	$475,300 (+11.36%) Land $60,000 Building $415,300
2022	$5,976.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$378,732	$426,800 Land $54,000 Building $372,800

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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 Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

Provider	Max 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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