1846 Gold Crest Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1846 Gold Crest Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,025 sqft · built 2020
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$320,347 (Feb 2020)
Tax Bill	$3,526 (2025)
Deeds & Mortgages	Jun 2023 Transfer Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052631064300010200`

Property Details

APN / Parcel Number

Primary APN	`052631064300010200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,025 sqft Heated Area
Gross Area	2,823 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	10,454 sqft (0.239 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1846 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 20
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	RIVERCREST AT NARCOOSSEE
Legal Tract	643
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3052
Census Tract	43700

Owner

1846 Gold Crest Dr is owned and occupied by an individual who acquired it in April 2025.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	502 LYNDON PL, WINTER GARDEN, FL 34787-5664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Intrafamily Transfer, Transfer
Feb 28, 2020	Special Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Jun 5, 2023
Deed Document Number	0056830082
Deed Book / Page	5683 / 82
Last Transfer Date	Apr 14, 2025
Transfer Doc	0067710613
Record Updated	Jun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 5, 2023
Property Address	1846 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Document Number	0064190083
Book / Page	6419 / 83
Map Reference	MB 28 PG 48&49
Instrument Date	May 27, 2023
Instrument	2023071879
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1846 GOLD CREST DR, SAINT CLOUD, FL 34771-8620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 GOLD CREST DR, SAINT CLOUD, FL 34771-8620

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2020
Property Address	1846 GOLD CREST DR, SAINT CLOUD, FL 34771-8620
Document Number	0056830082
Book / Page	5683 / 82
Map Reference	MB 28 PG 48&49
Instrument Date	Feb 27, 2020
Instrument	2020029524
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,242.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 GOLD CREST DRIVE, SAINT CLOUD, FL 34771-8620

Mortgage

Document Number	0056830084
Date	Feb 28, 2020
Instrument	5683/0084

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 27, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1846 Gold Crest Dr was $3,526 with a homeowner's exemption.

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	$3,526.00 Homeowner's exemption	$239,922	$356,900 Land $65,000 Building $291,900
2023	$3,317.00 (+3.62%) Homeowner's exemption	$226,370 (+3%)	$344,500 (+12.4%) Land $60,000 Building $284,500
2022	$3,201.00 Homeowner's exemption	$219,777	$306,500 Land $54,000 Building $252,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1846 Gold Crest Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 1846 Gold Crest Dr is moderate, ranking above 47% of the US, with a 0.1% annual chance of 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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