1853 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1853 Shumard Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,473 sqft · built 2019
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Sep 2022)
Tax Bill	$3,966 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062631063700010890`

Property Details

APN / Parcel Number

Primary APN	`062631063700010890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,473 sqft Heated Area
Gross Area	1,950 sqft
1st Floor Area	1,473 sqft
Flooring	Tile
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	3,485 sqft (0.08 acres)
Garage Type	Finished
Garage Area	378 sqft
Porch	Open Porch
Porch Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1853 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 89
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	89
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 7, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 27, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Feb 26, 2019 · Amount on Record
Deed Document Number	2022145688
Deed Book / Page	6292 / 1131
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0068632188
Date	Oct 13, 2025
Book Page	6863/2188
Instrument	2025126664

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Oct 1, 2052

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0064700457
Date	Sep 7, 2023
Book Page	6470/457
Instrument	2023117524

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2022
Property Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0062921131
Book / Page	6292 / 1131
Map Reference	MB 26 PG 73&74
Instrument Date	Sep 26, 2022
Instrument	2022145688
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1230 ISSAC CLIFTON RD, 1230, CHAPMANSBORO, TN 37035-5325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0062921133
Date	Sep 27, 2022
Instrument	6292/1133

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2019
Property Address	1853 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0054821169
Book / Page	5482 / 1169
Map Reference	MB 26 PG 73&74
Instrument Date	Feb 25, 2019
Instrument	2019024139
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,614.90
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	1853 SHUMAD AVENUE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	2019024140
Date	Feb 26, 2019
Instrument	2019024140

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

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	$3,966.00 (-20.76%) Homeowner's exemption	$264,500 (-4.75%) Land $65,000 Building $199,500	$264,500 (-4.75%) Land $65,000 Building $199,500
2023	$5,005.00 (+147.16%)	$277,700 (+74.1%) Land $65,000 Building $212,700	$277,700 (+20.32%) Land $65,000 Building $212,700
2022	$2,025.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$159,504	$230,800 Land $50,000 Building $180,800

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.

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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