1851 Lillian Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1851 Lillian Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,164 sqft · built 1969
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Oct 2023)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`0126314460000F6270`

Property Details

APN / Parcel Number

Primary APN	`0126314460000F6270`
Alternative APN	`95085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,164 sqft Heated Area
Gross Area	1,578 sqft
1st Floor Area	876 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1969
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Porch	Open Porch
Porch Area	330 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95085
Street Address	1851 LILLIAN DR
City	SAINT CLOUD
State	FL
Zip	34771-9788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES PB 1 PG 358 UNIT 1 BLK F LOTS 627 & 628
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	F
Legal Lot Number	627-628 628
Legal Unit	1B
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1043
Census Tract	43801

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	1851 LILLIAN DR, SAINT CLOUD, FL 34771-9788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Apr 11, 2023	Warranty Deed, Transfer · Balloon Mortgage FRANK M TOWNSEND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	Apr 11, 2023 · Amount on Record
Deed Document Number	2023138165
Deed Book / Page	6492 / 2101
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 20, 2023
Property Address	1851 LILLIAN DR, SAINT CLOUD, FL 34771-9788
Document Number	0064922101
Book / Page	6492 / 2101
Map Reference	MB 1 PG 358
Instrument Date	Oct 18, 2023
Instrument	2023138165
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1851 LILLIAN DR, SAINT CLOUD, FL 34771-9788

Mortgage

Document Number	0064922103
Date	Oct 20, 2023
Instrument	6492/2103

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 11, 2023
Property Address	1851 LILLIAN DR, SAINT CLOUD, FL 34771-9788
Document Number	0063840361
Book / Page	6384 / 361
Map Reference	MB 1 PG 358
Instrument Date	Apr 7, 2023
Instrument	2023040164
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	ALL FLORIDA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1643 HADDOCK ST, SAINT CLOUD, FL 34771-9706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 NEW YORK AVE, SAINT CLOUD, FL 34769-3359

Mortgage

Document Number	0063840363
Date	Apr 11, 2023
Book Page	6384/363
Instrument	2023040165

Lender

Name	FRANK M TOWNSEND
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,356.00 (+55.02%)	$263,000 (+25.9%) Land $70,000 Building $193,000	$263,000 (+25.9%) Land $70,000 Building $193,000
2023	$2,810.00 (+28.37%)	$208,900 (+72.22%) Land $45,000 Building $163,900	$208,900 (+72.22%) Land $45,000 Building $163,900
2022	$2,189.00	$121,300 Land $35,000 Building $86,300	$121,300 Land $35,000 Building $86,300

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 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

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	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.6% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 64 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 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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