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1855 Gold Crest Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1855 Gold Crest Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,787 sqft · built 2020
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on Record
Last Sale$282,270 (Aug 2020)
Tax Bill$4,094 (2025)
Deeds & MortgagesOct 2021 Mortgage
Aug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN052631064300010710

Property Details

APN / Parcel Number

Primary APN052631064300010710

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,787 sqft Heated Area
Gross Area2,352 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1855 GOLD CREST DR
CitySAINT CLOUD
StateFL
Zip34771-8621
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERCREST AT NARCOOSSEE PB 28 PGS 48-49 LOT 71
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionRIVERCREST AT NARCOOSSEE
Legal Tract643
Legal Lot Number71
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3052
Census Tract43700

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1855 GOLD CREST DR, SAINT CLOUD, FL 34771-8621
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 8, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Aug 17, 2020Special Warranty Deed, Transfer · FHA Mortgage
KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2020 · Amount on Record
Deed SaleAug 17, 2020 · Amount on Record
Deed Document Number2020108215
Deed Book / Page5775 / 2154
Record UpdatedJun 8, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1855 GOLD CREST DR, SAINT CLOUD, FL 34771-8621
Transaction TypeMortgage
Record UpdatedFeb 8, 2022
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1855 GOLD CREST DR, SAINT CLOUD, FL 34771-8621

Mortgage

Document Number0060612334
DateOct 8, 2021
Book Page6061/2334
Instrument2021157077
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term348 Months
DueOct 1, 2050

August 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 17, 2020
Property Address1855 GOLD CREST DR, SAINT CLOUD, FL 34771-8621
Document Number0057752154
Book / Page5775 / 2154
Map ReferenceMB 28 PG 48&49
Instrument DateAug 14, 2020
Instrument2020108215
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,976.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
Address1855 GOLD CREST DR, SAINT CLOUD, FL 34771-8621

Mortgage

Document Number0057752156
DateAug 17, 2020
Instrument5775/2156
Lender
NameKBHS HOME LOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,094.00 (+6.14%) Homeowner's exemption$271,658 (+5.99%)$327,600 (+3.67%) Land $65,000 Building $262,600
2023$3,857.00 (+3.54%) Homeowner's exemption$256,313 (+3%)$316,000 (+12.38%) Land $60,000 Building $256,000
2022$3,725.00 Homeowner's exemption$248,848$281,200 Land $54,000 Building $227,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 in force

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 RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 226 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: CenturyLink, Verizon, Xfinity.

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