1865 River Crest Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1865 River Crest Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,759 sqft · built 2021
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$318,592 (Aug 2021)
Tax Bill	$4,680 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052631064300010330`

Property Details

APN / Parcel Number

Primary APN	`052631064300010330`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,759 sqft Heated Area
Gross Area	2,194 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.119 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1865 RIVER CREST AVE
City	SAINT CLOUD
State	FL
Zip	34771-8651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERCREST AT NARCOOSSEE PB 28 PGS 48-49 LOT 33
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	RIVERCREST AT NARCOOSSEE
Legal Tract	643
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3052
Census Tract	43700

Owner

Source: Osceola County records · APN 052631064300010330

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	1865 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 05, 2021 · Amount on Record
Deed Sale	Aug 05, 2021 · Amount on Record
Deed Document Number	2021121549
Deed Book / Page	6017 / 328
Record Updated	Jun 08, 2026

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 05, 2021
Property Address	1865 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Document Number	0060170328
Book / Page	6017 / 328
Map Reference	MB 28 PG 48&49
Instrument Date	Jul 30, 2021
Instrument	2021121549
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,230.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651

Mortgage

Document Number	0006017330
Date	Aug 05, 2021
Instrument	6017/330

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,680.00 (+6.07%) Homeowner's exemption	$304,355 (+5.99%)	$324,800 (+3.8%) Land $65,000 Building $259,800
2023	$4,412.00 (+3.45%) Homeowner's exemption	$287,164 (+3%)	$312,900 (+12.23%) Land $60,000 Building $252,900
2022	$4,265.00 Homeowner's exemption	$278,800 Land $54,000 Building $224,800	$278,800 Land $54,000 Building $224,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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 70 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force 60 of 70 on primary residences

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 481 per year
Exposure	Direct burnable vegetation at the parcel

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.