1880 Carolyn Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1880 Carolyn Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,054 sqft · built 1991
Lot Size	0.319 acres (13,895 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jun 2022)
Tax Bill	$5,841 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0853-0001-011B`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0853-0001-011B`
Alternative APNs	`26301408530001011B` `14263039870001011B` `84954`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	3,184 sqft
1st Floor Area	2,054 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,895 sqft (0.319 acres)
Lot Dimensions	122 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	24 sqft
Porch	Florida Room
Porch Area	624 sqft
Deck Area	401 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1880 CAROLYN CT
City	SAINT CLOUD
State	FL
Zip	34769-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LORRAINE EST UNIT 1B PB 5 PG 16 LOT 11B
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	LORRAINE ESTATES UNIT 1B
Legal Tract	853
Legal Block	11B
Legal Lot Number	11B
Legal Unit	1B
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

1880 Carolyn Ct is owned and occupied by two individuals who bought it in June 2022.

Source: Osceola County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1880 CAROLYN CT, SAINT CLOUD, FL 34769-5504
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
Feb 16, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on File
Deed Sale	Jun 6, 2022 · Amount on File
Deed Document Number	202288024
Deed Book / Page	6227 / 1754
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1880 CAROLYN CT, SAINT CLOUD, FL 34769-5504
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1880 CAROLYN CT, SAINT CLOUD, FL 34769-5504

Mortgage

Document Number	0069230904
Date	Feb 16, 2026
Book Page	6923/904
Instrument	2026021155

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 4, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 6, 2022
Property Address	1880 CAROLYN CT, SAINT CLOUD, FL 34769-5504
Document Number	0062271754
Book / Page	6227 / 1754
Map Reference	MB 5 PG 16
Instrument Date	May 31, 2022
Instrument	2022088024
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8941 ROCKPOND MEADOWS DR, 8941, JACKSONVILLE, FL 32221-5557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1880 CAROLYN CT, SAINT CLOUD, FL 34769-5504

Mortgage

Document Number	0062271756
Date	Jun 6, 2022
Instrument	6227/1756

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1880 Carolyn Ct was $5,841 with a homeowner's exemption, up 3.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$5,841.00 (+3.38%) Homeowner's exemption	$369,258	$384,500 Land $65,000 Building $319,500
2024	$5,650.00 (+2.45%)
2023	$5,515.00 (+183.84%) Homeowner's exemption	$348,400 (+132.28%) Land $60,000 Building $288,400	$348,400 (+22.81%) Land $60,000 Building $288,400
2022	$1,943.00 Homeowner's exemption	$149,992	$283,700 Land $50,000 Building $233,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1880 Carolyn Ct in Zone X, an area of minimal flood risk.

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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 1880 Carolyn Ct is moderate, ranking above 40% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.1% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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