1865 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1865 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	$312,500 (Mar 2022)
Tax Bill	$3,966 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062631063700010940`

Property Details

APN / Parcel Number

Primary APN	`062631063700010940`

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	Carpet
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	1865 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 94
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	94
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

1865 Shumard Ave is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1865 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
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
Mar 8, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC
Apr 1, 2019	Special Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Prior Sale	Apr 1, 2019 · Amount on File
Deed Document Number	2022036801
Deed Book / Page	6166 / 156
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 8, 2022
Property Address	1865 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0061660156
Book / Page	6166 / 156
Map Reference	MB 26 PG 73&74
Instrument Date	Feb 25, 2022
Instrument	2022036801
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9636 OAKBROOKE LN APT 5, 9636, HOWELL, MI 48843-6345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1218, LOCUST GROVE, GA 30248-1218

Mortgage

Document Number	0006166158
Date	Mar 8, 2022
Instrument	6166/158

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2019
Property Address	1865 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0054992115
Book / Page	5499 / 2115
Map Reference	MB 26 PG 73-74
Instrument Date	Mar 29, 2019
Instrument	2019040057
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	777 S FLAGLER DR # 800, 777, WEST PALM BEACH, FL 33401-6161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	2019040058
Date	Apr 1, 2019
Instrument	2019040058

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1865 Shumard Ave was $3,966 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	$3,966.00 Homeowner's exemption	$264,500 Land $65,000 Building $199,500	$264,500 Land $65,000 Building $199,500
2023	$4,242.00 (+8.02%) Homeowner's exemption	$277,700 (+20.32%) Land $65,000 Building $212,700	$277,700 (+20.32%) Land $65,000 Building $212,700
2022	$3,927.00	$230,800 Land $50,000 Building $180,800	$230,800 Land $50,000 Building $180,800

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

Flood

FEMA maps place 1865 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 1865 Shumard Ave is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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