1877 River Crest Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1877 River Crest Ave, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,759 sqft · built 2021
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$303,635 (Jun 2021)
Tax Bill	$5,046 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-26-31-0643-0001-0300`

Property Details

APN / Parcel Number

Primary APN	`05-26-31-0643-0001-0300`
Alternative APN	`263105064300010300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,759 sqft Living Area
Gross Area	2,194 sqft
1st Floor Area	1,759 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1877 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 30
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	RIVERCREST AT NARCOOSSEE
Legal Lot Number	30
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3052
Census Tract	43700

Owner

Source: Osceola County records · APN 05-26-31-0643-0001-0300

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1877 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 08, 2021	Special Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2021 · Amount on Record
Deed Sale	Jun 08, 2021 · Amount on Record
Deed Document Number	202188834
Deed Book / Page	5976 / 399
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1877 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1877 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651

Mortgage

Document Number	0064722627
Date	Sep 12, 2023
Book Page	6472/2627
Instrument	2023120169

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jul 01, 2051

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 08, 2021
Property Address	1877 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651
Document Number	0059760399
Book / Page	5976 / 399
Map Reference	MB 28 PG 48-49
Instrument Date	Jun 04, 2021
Instrument	2021088834
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.90
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	1877 RIVER CREST AVE, SAINT CLOUD, FL 34771-8651

Mortgage

Document Number	0005976401
Date	Jun 08, 2021
Instrument	5976/401

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$5,046.00 (+0.98%) Homeowner's exemption	$324,800 (+3.8%) Land $65,000 Building $259,800	$324,800 (+3.8%) Land $65,000 Building $259,800
2024	$4,997.00 (+2.48%)
2023	$4,876.00 (-3.02%) Homeowner's exemption	$312,900 (+12.23%) Land $60,000 Building $252,900	$312,900 (+12.23%) Land $60,000 Building $252,900
2022	$5,028.00	$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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 226 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Verizon, Lumen Technologies, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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