1881 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1881 Shumard Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,457 sqft · built 2018
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$214,800 (Sep 2018)
Tax Bill	$2,938 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062631063700010980`

Property Details

APN / Parcel Number

Primary APN	`062631063700010980`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,457 sqft Heated Area
Gross Area	1,934 sqft
1st Floor Area	1,457 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1881 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 98
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Tract	637
Legal Lot Number	98
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

1881 Shumard Ave is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1881 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 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 20, 2018	Special Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Deed Document Number	2018141005
Deed Book / Page	5403 / 0816
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1881 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056922037
Date	Mar 16, 2020
Book Page	5692/2037
Instrument	2020037422

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2018
Property Address	1881 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0054030816
Book / Page	5403 / 0816
Map Reference	MB26 PG73&74
Instrument Date	Sep 4, 2018
Instrument	2018141005
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	$1,503.60
Amount Accuracy	Rounded by County
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
Address	1881 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	2018141006
Date	Sep 20, 2018
Instrument	2018141006

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1881 Shumard Ave was $2,938 with exemptions applied.

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	$2,938.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$212,046	$262,000 Land $65,000 Building $197,000
2023	$2,754.00 (+3.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$200,068 (+3%)	$274,900 (+20.25%) Land $65,000 Building $209,900
2022	$2,651.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$194,241	$228,600 Land $50,000 Building $178,600

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

Flood

FEMA maps place 1881 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 1881 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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