1855 Rain Lily Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1855 Rain Lily Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$265,990 (Jul 2018)
Tax Bill	$3,811 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052631010100010010`

Property Details

APN / Parcel Number

Primary APN	`052631010100010010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Heated Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	108 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1855 RAIN LILY PL
City	SAINT CLOUD
State	FL
Zip	34771-8557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOPY WALK PB 25 PGS 157-158 LOT 1
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	CANOPY WALK
Legal Tract	101
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3029
Census Tract	43700

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	1855 RAIN LILY PL, SAINT CLOUD, FL 34771-8557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMESPIRE MTG CORP
Feb 28, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MTG
Jul 30, 2018	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD
Mar 22, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on Record
Deed Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	2018115746
Deed Book / Page	5375 / 1504
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1855 RAIN LILY PL, SAINT CLOUD, FL 34771-8557
Document Number	0058630166
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1855 RAIN LILY PL ST CLOUD FL 347718557, ST CLOUD, FL 34771-8557

Mortgage

Document Number	0058630166
Date	Dec 31, 2020
Book Page	005863/000166
Instrument	178172

Lender

Name	HOMESPIRE MTG CORP
Address	GAITHERSBURG, MD 20878

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1855 RAIN LILY PL, SAINT CLOUD, FL 34771-8557
Document Number	0054892024
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5112 STAR RUBY AVE ST CLOUD FL 347718562, ST CLOUD, FL 34771-8562

Mortgage

Document Number	0054892024
Date	Mar 11, 2019
Book Page	005489/002024
Instrument	31007

Lender

Name	AMERIHOME MTG
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362-3888

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2049

July 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2018
Property Address	1855 RAIN LILY PL, SAINT CLOUD, FL 34771-8557
Document Number	0053751504
Book / Page	5375 / 1504
Map Reference	MB25 PG157&158
Instrument Date	Jul 22, 2018
Instrument	2018115746
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,862.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 RAIN LILY PL, SAINT CLOUD, FL 34771-8557

Mortgage

Document Number	2018115747
Date	Jul 30, 2018
Instrument	2018115747

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 22, 2018
Property Address	1855 RAIN LILY PL, SAINT CLOUD, FL 34771-8557
Document Number	0053051091
Book / Page	005305 / 001091
Instrument Date	Mar 16, 2018
Instrument	46421
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

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	$3,811.00 (+6.24%) Homeowner's exemption	$255,799 (+5.99%)	$347,300 (+3.58%) Land $70,000 Building $277,300
2023	$3,587.00 (+3.58%) Homeowner's exemption	$241,350 (+3%)	$335,300 (+15.54%) Land $65,000 Building $270,300
2022	$3,463.00 Homeowner's exemption	$234,321	$290,200 Land $60,000 Building $230,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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 Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% 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	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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Xfinity.

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