1845 Hawksbill Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1845 Hawksbill Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,701 sqft · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (May 2023)
Tax Bill	$4 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2023 Sale & Mortgage + 7 more
Flood Zone	Zone X (moderate risk)
APN	`06-26-31-0877-0001-2120`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0877-0001-2120`
Alternative APN	`263106087700012120`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,701 sqft Living Area
Gross Area	4,648 sqft
1st Floor Area	1,713 sqft
Upper Floors Area	1,988 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	601 sqft
Porch	Florida Room
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1845 HAWKSBILL LN
City	SAINT CLOUD
State	FL
Zip	34771-7569
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 212
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PH 3 & 4
Legal Phase	3
Legal Tract	877
Legal Block	2120
Legal Lot Number	212
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records, as of June 9, 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 Record
Mailing Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2023	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 3, 2022	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Feb 4, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage K HOVNANIAN MORTGAGE INC
Jan 30, 2018	Loan Modification, Mortgage · Line of Credit WILMINGTON TR
Aug 8, 2017	Grant Deed, Mortgage · Line of Credit WILMINGTON TR
Jul 10, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Prior Sale	Feb 4, 2019 · Amount on Record
Deed Document Number	202363381
Deed Book / Page	6408 / 2977
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2026
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Document Number	0000068335
Book / Page	6976 / 1629
Instrument Date	Oct 27, 2025
Instrument	202668335
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569

Mortgage

Document Number	0000068335,
Date	May 26, 2026
Book Page	6976/1629
Instrument	202668335

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2023
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Document Number	0064082977
Book / Page	6408 / 2977
Map Reference	MB 25 PG 38
Instrument Date	May 12, 2023
Instrument	2023063381
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 RABBIT CV, CORINTH, MS 38834-8072

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569

Mortgage

Document Number	0064082979
Date	May 17, 2023
Instrument	6408/2979

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056662944
Date	Jan 31, 2020
Book Page	5666/2944
Instrument	2020015427

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058141030
Date	Oct 16, 2020
Book Page	5814/1030
Instrument	2020140238

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	233 Months
Due	Mar 1, 2040

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569

Mortgage

Document Number	0061201459
Date	Jan 3, 2022
Book Page	6120/1459
Instrument	2022000257

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 4, 2019
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Document Number	0054712166
Book / Page	5471 / 2166
Map Reference	MB 25 PG 38
Instrument Date	Jan 31, 2019
Instrument	2019013947
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	EASTERN NATL TITLE AGENCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,646.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569

Mortgage

Document Number	2019013948
Date	Feb 4, 2019
Instrument	2019013948

Lender

Name	K HOVNANIAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2018
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Document Number	0052771344
Book / Page	005277 / 001344
Instrument Date	Jan 17, 2018
Instrument	15966
Transaction Type	Mortgage
Record Updated	Feb 22, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

Mortgage

Document Number	52771344
Date	Jan 30, 2018
Book Page	005277/001344
Instrument	15966

Lender

Name	WILMINGTON TR
Address	1100 N MARKET ST RODNEY SQ N, WILMINGTON, DE 19890

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 29, 2023

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2017
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Document Number	0051911631
Book / Page	005191 / 001631
Instrument Date	Jul 21, 2017
Instrument	114505
Transaction Type	Mortgage
Record Updated	Sep 25, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139
Investor	Possibly a Property Investor

Mortgage

Document Number	51911631
Date	Aug 8, 2017
Book Page	005191/001631
Instrument	114505

Lender

Name	WILMINGTON TR
Address	1100 N MARKET ST, WILMINGTON, DE 19890-1100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Aug 7, 2020

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 10, 2017
Property Address	1845 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Document Number	0051761375
Book / Page	005176 / 001375
Instrument Date	Jul 7, 2017
Instrument	99601
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$27,023.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	151 SOUTHHALL LN #120 MAITLAND FL 327517115, 120, MAITLAND, FL 32751-7115
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4.00 (-99.92%) Homeowner's exemption Veteran's exemption	$486,400 (+56.35%) Land $75,000 Building $411,400	$486,400 (-1.64%) Land $75,000 Building $411,400
2023	$4,753.00 (+3.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,098 (+3%)	$494,500 (+12.21%) Land $65,000 Building $429,500
2022	$4,593.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$302,037	$440,700 Land $60,000 Building $380,700

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 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 489 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 / 1,000

May also be available: Verizon, Xfinity.

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