1872 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1872 Shumard Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 2019
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$292,500 (Nov 2021)
Tax Bill	$4,002 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062631063700010580`

Property Details

APN / Parcel Number

Primary APN	`062631063700010580`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,702 sqft Heated Area
Gross Area	2,093 sqft
1st Floor Area	1,702 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	252 sqft
Porch	Open Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1872 SHUMARD AVE
City	SAINT CLOUD
State	FL
Zip	34771-4882
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 58
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	58
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

1872 Shumard Ave is owned and occupied by an individual who bought it in November 2021.

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS
Nov 4, 2021	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jan 29, 2019	Special Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2021 · Amount on File
Deed Sale	Nov 4, 2021 · Amount on File
Prior Sale	Jan 29, 2019 · Amount on File
Deed Document Number	2021171817
Deed Book / Page	6080 / 83
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882

Mortgage

Document Number	0065171049
Date	Dec 11, 2023
Book Page	6517/1049
Instrument	2023160961

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	CLEARWATER, FL 33765

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 4, 2021
Property Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882
Document Number	0060800083
Book / Page	6080 / 83
Map Reference	MB 26 PG 73&74
Instrument Date	Nov 2, 2021
Instrument	2021171817
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	SUPREME TITLE CLOSINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,047.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2265 FRIDAY CT, 2265, WEST MELBOURNE, FL 32904-5013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882

Mortgage

Document Number	608085
Date	Nov 4, 2021
Instrument	6080/85

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

January 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2019
Property Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882
Document Number	0054690435
Book / Page	5469 / 0435
Map Reference	MB 26 PG 73-74
Instrument Date	Jan 28, 2019
Instrument	2019011523
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	$1,638.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	777 S FLAGLER DR # 800W800W, 777, WEST PALM BEACH, FL 33401-6161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1872 SHUMARD AVE, SAINT CLOUD, FL 34771-4882

Mortgage

Document Number	2019011524
Date	Jan 29, 2019
Instrument	2019011524

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1872 Shumard Ave was $4,002 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	$4,002.00 Homeowner's exemption	$266,474	$279,200 Land $65,000 Building $214,200
2023	$3,769.00 (+3.57%) Homeowner's exemption	$251,423 (+3%)	$293,400 (+20.2%) Land $65,000 Building $228,400
2022	$3,639.00 Homeowner's exemption	$244,100 Land $50,000 Building $194,100	$244,100 Land $50,000 Building $194,100

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

Flood

FEMA maps place 1872 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 1872 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.

Nearby Properties on Shumard Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures