Osceola County property record for 1855 Overcup Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 2019 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $232,875 (Jan 2020) |
| Tax Bill | $3,302 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062631063700010470 |
| Primary APN | 062631063700010470 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,638 sqft Heated Area |
| Gross Area | 2,105 sqft |
| 1st Floor Area | 1,638 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 336 sqft |
| Porch | Open Porch |
| Porch Area | 131 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1855 OVERCUP AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-4881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 47 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | OAKTREE POINTE VILLAS |
| Legal Tract | 637 |
| Legal Lot Number | 47 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43600 |
Source: Osceola County records · APN 062631063700010470
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 |
|---|---|
| Mailing Address | 1855 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Jan 02, 2020 | Special Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 02, 2020 · Amount on Record |
| Deed Sale | Jan 02, 2020 · Amount on Record |
| Deed Document Number | 2020000335 |
| Deed Book / Page | 5651 / 0031 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1855 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1855 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0061112716 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 6111/2716 |
| Instrument | 2021196120 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 02, 2020 |
| Property Address | 1855 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0056510031 |
| Book / Page | 5651 / 0031 |
| Map Reference | MB 26 PG 73&74 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 2020000335 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,630.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 777 S FLAGLER DR, 777, WEST PALM BEACH, FL 33401-6161 |
| Name | Verified Name |
|---|---|
| Address | 1855 OVERCUP AVE, SAINT CLOUD, FL 34771-4881 |
| Document Number | 0056510033 |
|---|---|
| Date | Jan 02, 2020 |
| Instrument | 5651/0033 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,302.00 (+6.38%) Homeowner's exemption | $227,355 (+5.99%) | $276,600 (-4.82%) Land $65,000 Building $211,600 |
| 2023 | $3,104.00 (+3.67%) Homeowner's exemption | $214,513 (+3%) | $290,600 (+20.18%) Land $65,000 Building $225,600 |
| 2022 | $2,994.00 Homeowner's exemption | $208,266 | $241,800 Land $50,000 Building $191,800 |
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
| 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 |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 219 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 1,200 / 35 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Lumen Technologies, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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