1849 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1849 Shumard Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,473 sqft · built 2020
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Aug 2022)
Tax Bill	$5,418 (2025)
Deeds & Mortgages	May 2023 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062631063700010870`

Property Details

APN / Parcel Number

Primary APN	`062631063700010870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,473 sqft Heated Area
Gross Area	1,950 sqft
Flooring	Tile
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	3,485 sqft (0.08 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1849 SHUMARD AVE
City	SAINT CLOUD
State	FL
Zip	34771-4883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 87
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	87
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 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 Record
Co-owner	Co-owner on Record
Mailing Address	1847 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Aug 4, 2022	Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC
Jun 18, 2020	Special Warranty Deed, Transfer · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Prior Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	2022119732
Deed Book / Page	6263 / 2092
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1849 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0064121920
Date	May 24, 2023
Book Page	6412/1920
Instrument	2023066488

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2022
Property Address	1849 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0062632092
Book / Page	6263 / 2092
Map Reference	MB 26 PG 73
Instrument Date	Jul 29, 2022
Instrument	2022119732
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6173 NW HELMSDALE WAY, 6173, PORT SAINT LUCIE, FL 34983-4146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1849 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0062632094
Date	Aug 4, 2022
Instrument	6263/2094

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2020
Property Address	1849 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0057391678
Book / Page	5739 / 1678
Map Reference	MB 26 PG 73&74
Instrument Date	Jun 12, 2020
Instrument	2020078022
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,647.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	777 S FLAGLER DR # DR800W, 777, WEST PALM BEACH, FL 33401-6161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1385 MILLER AVE, WINTER PARK, FL 32789-4828

Mortgage

Document Number	57391680
Date	Jun 18, 2020
Instrument	5739/1680

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$5,418.00 (+7.71%)	$302,500 (+8.38%) Land $65,000 Building $237,500	$302,500 (+8.38%) Land $65,000 Building $237,500
2023	$5,030.00 (+26.92%)	$279,100 (+20.3%) Land $65,000 Building $214,100	$279,100 (+20.3%) Land $65,000 Building $214,100
2022	$3,963.00	$232,000 Land $50,000 Building $182,000	$232,000 Land $50,000 Building $182,000

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 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	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon, Xfinity.

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