1849 Cayman Cove Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1849 Cayman Cove Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,421 sqft · built 2019
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Feb 2025)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0115-0001-0380`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0115-0001-0380`
Alternative APN	`263026011500010380`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,421 sqft Living Area
Gross Area	2,997 sqft
1st Floor Area	1,110 sqft
Upper Floors Area	1,311 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1849 CAYMAN COVE CIR
City	SAINT CLOUD
State	FL
Zip	34772-7107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE MEADOW PB 26 PGS 126-131 LOT 38
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	EAGLE MEADOW
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2022
Census Tract	43304

Owner

1849 Cayman Cove Cir is owned and occupied by two individuals who bought it in February 2025.

Source: Osceola County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Feb 5, 2025	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Oct 2, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2025 · Amount on File
Deed Sale	Feb 5, 2025 · Amount on File
Prior Sale	Oct 2, 2019 · Amount on File
Deed Document Number	202515096
Deed Book / Page	6735 / 2730
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2026
Property Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107
Document Number	0000100598
Book / Page	7013 / 1126
Instrument Date	Jul 15, 2026
Instrument	2026100598
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107

Mortgage

Document Number	0000100598,
Date	Aug 3, 2026
Book Page	7013/1126
Instrument	2026100598

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Mar 1, 2055

Interest

Rate	6.47%
Max Rate	-1%

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2025
Property Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107
Document Number	0067352730
Book / Page	6735 / 2730
Map Reference	MB 26 PG 126
Instrument Date	Jan 24, 2025
Instrument	2025015096
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 YORK CT, POINCIANA, FL 34758-4116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107

Mortgage

Document Number	2025015097
Date	Feb 5, 2025
Instrument	2025015097

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Mortgage

Document Number	0067352751
Date	Feb 5, 2025
Book Page	6735/2751
Instrument	2025015098

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2035

October 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2019
Property Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107
Document Number	0055992492
Book / Page	5599 / 2492
Map Reference	MB 26 PG 126-131
Instrument Date	Sep 30, 2019
Instrument	2019127715
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,077.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 CAYMAN COVE CIR, SAINT CLOUD, FL 34772-7107

Mortgage

Document Number	0055992494
Date	Oct 2, 2019
Instrument	5599/2494

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1849 Cayman Cove Cir was $4,145.

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	$4,145.00	$274,468	$369,800 Land $65,000 Building $304,800
2023	$3,904.00 (+3.53%) Homeowner's exemption	$258,965 (+3%)	$374,300 (+21.6%) Land $60,000 Building $314,300
2022	$3,771.00 Homeowner's exemption	$251,423	$307,800 Land $55,000 Building $252,800

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

Flood

FEMA maps place 1849 Cayman Cove Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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 1849 Cayman Cove Cir is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 421 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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