1854 Carroll Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1854 Carroll Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 2005
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jun 2018)
Tax Bill	$2,817 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`0126314460000G7180`

Property Details

APN / Parcel Number

Primary APN	`0126314460000G7180`
Alternative APN	`95102`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,445 sqft Heated Area
Gross Area	1,995 sqft
1st Floor Area	1,445 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.289 acres)
Lot Dimensions	100 ft deep x 125 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	150 sqft
Patio Area	100 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95102
Street Address	1854 CARROLL DR
City	SAINT CLOUD
State	FL
Zip	34771-9748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	OAKWOOD SHORES UNIT 1 PB 1 PG 358 BLK G LOTS 718, 719 & N 1/2 OF 720
Legal Range	31E
Legal Township	26S
Legal Section	01
Legal Subdivision	OAKWOOD SHORES
Legal Tract	4460
Legal Block	G
Legal Lot Number	718-719 719
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1041
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
Co-owner	Co-owner on Record
Mailing Address	1854 CARROLL DR, SAINT CLOUD, FL 34771-9748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Conventional with PMI SI MORTGAGE COMPANY SI MORTGAGE COMPANY
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Jun 15, 2005 · Amount on Record
Deed Document Number	0053591790
Deed Book / Page	5359 / 1790
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1854 CARROLL DR, SAINT CLOUD, FL 34771-9748
Document Number	0057772764
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1854 CARROLL DR ST CLOUD FL 347719748, ST CLOUD, FL 34771-9748

Mortgage

Document Number	0057772764
Date	Aug 20, 2020
Book Page	005777/002764
Instrument	109988

Lender

Name	SI MORTGAGE COMPANY SI MORTGAGE COMPANY
Type	Bank
Address	STERLING HEIGHTS, MI 48310

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2018
Property Address	1854 CARROLL DR, SAINT CLOUD, FL 34771-9748
Document Number	0053591790
Book / Page	5359 / 1790
Map Reference	MB1 PG358
Instrument Date	Jun 29, 2018
Instrument	2018100838
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4540 LAKE WATERFORD WAY, 4540, 34901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 CARROLL DR, SAINT CLOUD, FL 34771-9748

Mortgage

Document Number	2018100839
Date	Jun 29, 2018
Instrument	2018100839

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$2,817.00 (+8.3%) Homeowner's exemption	$192,799 (+5.99%)	$328,700 (+21.97%) Land $70,000 Building $258,700
2023	$2,601.00 (+4.75%) Homeowner's exemption	$181,909 (+3%)	$269,500 (+19.41%) Land $45,000 Building $224,500
2022	$2,483.00 Homeowner's exemption	$176,611	$225,700 Land $35,000 Building $190,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
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 84% of the US · above 75% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 47 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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