1873 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1873 Overcup Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,590 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	Company Name on Record
Last Sale	$287,500 (Feb 2026)
Tax Bill	$3,084 (2025)
Deeds & Mortgages	Feb 2026 Sale Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062631063700010530`

Property Details

APN / Parcel Number

Primary APN	`062631063700010530`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,590 sqft Heated Area
Gross Area	2,098 sqft
1st Floor Area	752 sqft
Upper Floors Area	838 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1873 OVERCUP AVE
City	SAINT CLOUD
State	FL
Zip	34771-4881
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 53
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	53
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records, as of March 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	850 ROSEDALE AVE, SAINT CLOUD, FL 34769-3088
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Warranty Deed, Transfer RED DOOR TITLE
Dec 29, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 20, 2018	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Prior Sale	Dec 20, 2018 · Amount on Record
Deed Document Number	2026023064
Deed Book / Page	6925 / 708
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 18, 2026
Property Address	1873 OVERCUP AVE, SAINT CLOUD, FL 34771-4881
Document Number	0069250708
Book / Page	6925 / 708
Map Reference	MB 26 PG 73&74
Instrument Date	Feb 17, 2026
Instrument	2026023064
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Tax	$2,012.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	436 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	850 ROSEDALE AVE, SAINT CLOUD, FL 34769-3088

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1873 OVERCUP AVE, SAINT CLOUD, FL 34771-4881
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1873 OVERCUP AVE, SAINT CLOUD, FL 34771-4881

Mortgage

Document Number	0065262558
Date	Dec 29, 2023
Book Page	6526/2558
Instrument	2023169030

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2049

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2018
Property Address	1873 OVERCUP AVE, SAINT CLOUD, FL 34771-4881
Document Number	0054522469
Book / Page	5452 / 2469
Map Reference	MB 26 PG 73&74
Instrument Date	Dec 6, 2018
Instrument	2018186125
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 GLADES RD # RD324A, 2255, BOCA RATON, FL 33431-7382

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1873 OVERCUP AVE, SAINT CLOUD, FL 34771-4881

Mortgage

Document Number	2018186126
Date	Dec 20, 2018
Instrument	2018186126

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$3,084.00 (+6.45%) Homeowner's exemption	$215,194 (+5.99%)	$265,400 (-4.7%) Land $65,000 Building $200,400
2023	$2,897.00 (+3.72%) Homeowner's exemption	$203,039 (+3%)	$278,500 (+20.15%) Land $65,000 Building $213,500
2022	$2,793.00 Homeowner's exemption	$197,126	$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

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 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

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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