1850 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1850 Overcup Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 2019
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$242,020 (Jun 2020)
Tax Bill	$3,366 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062631063700010210`

Property Details

APN / Parcel Number

Primary APN	`062631063700010210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,702 sqft Heated Area
Gross Area	2,093 sqft
1st Floor Area	1,702 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Finished
Garage Area	252 sqft
Porch	Open Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1850 OVERCUP AVE
City	SAINT CLOUD
State	FL
Zip	34771-4880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 21
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records · APN 062631063700010210

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	Verified Secondary Owner
Mailing Address	1850 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 16, 2020	Special Warranty Deed, Transfer · FHA Mortgage COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2020 · Amount on Record
Deed Sale	Jun 16, 2020 · Amount on Record
Deed Document Number	2020076985
Deed Book / Page	5738 / 774
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1850 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 OVERCUP AVE, SAINT CLOUD, FL 34771-4880

Mortgage

Document Number	0059442071
Date	Apr 27, 2021
Book Page	5944/2071
Instrument	2021063656

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 16, 2020
Property Address	1850 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0057380774
Book / Page	5738 / 774
Map Reference	MB 26 PG 73&74
Instrument Date	Jun 12, 2020
Instrument	2020076985
Transaction Type	Transfer
Record Updated	Feb 06, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.70
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	1850 OVERCUP AVE, SAINT CLOUD, FL 34771-4880

Mortgage

Document Number	5738776
Date	Jun 16, 2020
Instrument	5738/776

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,366.00 (+6.35%) Homeowner's exemption	$230,953 (+5.99%)	$279,200 (-4.84%) Land $65,000 Building $214,200
2023	$3,165.00 (+3.67%) Homeowner's exemption	$217,908 (+3%)	$293,400 (+20.2%) Land $65,000 Building $228,400
2022	$3,053.00 Homeowner's exemption	$211,562	$244,100 Land $50,000 Building $194,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 148 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 469 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 83 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Xfinity, Lumen Technologies, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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