1855 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1855 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 File
Last Sale	$233,000 (Feb 2021)
Tax Bill	$3,761 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062631063700010900`

Property Details

APN / Parcel Number

Primary APN	`062631063700010900`

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	1855 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 90
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	90
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

1855 Shumard Ave is owned and occupied by an individual who bought it in February 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	1860 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 1, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2021 · Amount on File
Deed Sale	Feb 3, 2021 · Amount on File
Prior Sale	Mar 1, 2019 · Amount on File
Deed Document Number	2021016000
Deed Book / Page	5884 / 261
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 3, 2021
Property Address	1855 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0058840261
Book / Page	5884 / 261
Map Reference	MB 26 PG 73&74
Instrument Date	Feb 2, 2021
Instrument	2021016000
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	755 MOONLIGHT CT, 755, SAINT CLOUD, FL 34771-9067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0005884262
Date	Feb 3, 2021
Instrument	5884/262

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

March 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 1, 2019
Property Address	1855 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0054841083
Book / Page	5484 / 1083
Map Reference	MB 26 PG 73&74
Instrument Date	Feb 28, 2019
Instrument	2019026122
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.70
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	755 MOONLIGHT CT, SAINT CLOUD, FL 34771-9067

Mortgage

Document Number	2019026123
Date	Mar 1, 2019
Instrument	2019026123

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1855 Shumard Ave was $3,761 with a homeowner's exemption.

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	$3,761.00 Homeowner's exemption	$253,047	$265,500 Land $65,000 Building $200,500
2023	$3,540.00 (+3.57%) Homeowner's exemption	$238,754 (+3%)	$278,800 (+20.28%) Land $65,000 Building $213,800
2022	$3,418.00 Homeowner's exemption	$231,800 Land $50,000 Building $181,800	$231,800 Land $50,000 Building $181,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1855 Shumard Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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 File 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

Wildfire risk around 1855 Shumard Ave is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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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