Osceola County property record for 1846 Lillian Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,434 sqft · built 1990 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Aug 2022) |
| Tax Bill | $4,501 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Aug 2022 Transfer + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 0126314460000E5150 |
| Primary APN | 0126314460000E5150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,434 sqft Heated Area |
| Gross Area | 2,090 sqft |
| 1st Floor Area | 1,264 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 100 ft deep x 91 ft wide |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 250 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 95049 |
|---|---|
| Street Address | 1846 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 THE S 41.79 FT OF LOT 515 & LOT 516 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | OAKWOOD SHORES |
| Legal Tract | 4460 |
| Legal Block | E |
| Legal Lot Number | 515-516 516 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 43801 |
Source: Osceola County records · APN 0126314460000E5150
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC |
| Aug 23, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Dec 10, 2018 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on Record |
| Deed Sale | Aug 23, 2022 · Amount on Record |
| Prior Sale | Aug 23, 2022 |
| Deed Document Number | 2022128917 |
| Deed Book / Page | 6273 / 1626 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2022 |
| Property Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Document Number | 0062731626 |
| Book / Page | 6273 / 1626 |
| Map Reference | MB 1 PG 358 |
| Instrument Date | Aug 19, 2022 |
| Instrument | 2022128917 |
| Transaction Type | Transfer |
| Record Updated | Sep 08, 2022 |
| Title Company | EQUITABLE TITLE OF LAKE COUNTY, EQUITABLE TTL OF LAKE CNTY L |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Document Number | 0062731628 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 6273/1628 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2022 |
| Property Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Document Number | 0062731624 |
| Book / Page | 6273 / 1624 |
| Map Reference | MB 1 PG 358 |
| Instrument Date | Aug 06, 2022 |
| Instrument | 2022128916 |
| Transaction Type | Transfer |
| Record Updated | Sep 08, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 311 LEE RD, 311, DICKSON, TN 37055-1536 |
| Name | Verified Name |
|---|---|
| Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054462308 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 5446/2308 |
| Instrument | 2018180451 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1846 LILLIAN DR, SAINT CLOUD, FL 34771-9787 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057112738 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 5711/2738 |
| Instrument | 2020055134 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,501.00 (+19.96%) | $277,000 (+23.55%) Land $70,000 Building $207,000 | $277,000 (+23.55%) Land $70,000 Building $207,000 |
| 2023 | $3,752.00 (+184.46%) | $224,200 (+140.27%) Land $45,000 Building $179,200 | $224,200 (+22.51%) Land $45,000 Building $179,200 |
| 2022 | $1,319.00 Homeowner's exemption | $93,310 | $183,000 Land $35,000 Building $148,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 64 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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