1884 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1884 Overcup Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,702 sqft · built 2019
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Aug 2023)
Tax Bill	$4,229 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0637-0001-0110`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0637-0001-0110`
Alternative APN	`263106063700010110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,702 sqft Living Area
Gross Area	2,093 sqft
1st Floor Area	1,702 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	252 sqft
Porch	Finished/Open Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1884 OVERCUP AVE
City	SAINT CLOUD
State	FL
Zip	34771-4880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 11
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Lot Number	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

1884 Overcup Ave is owned and occupied by an individual who bought it in August 2023.

Source: Osceola County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1884 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Aug 21, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 20, 2019	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on File
Deed Sale	Aug 21, 2023 · Amount on File
Prior Sale	Jul 7, 2021 · Amount on File
Deed Document Number	2023109362
Deed Book / Page	6460 / 2430
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2023
Property Address	1884 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0064602430
Book / Page	6460 / 2430
Map Reference	MB 26 PG 73&74
Instrument Date	Aug 14, 2023
Instrument	2023109362
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 DICKSON ST, DURYEA, PA 18642-1318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1884 OVERCUP AVE, SAINT CLOUD, FL 34771-4880

Mortgage

Document Number	0064602432
Date	Aug 21, 2023
Instrument	6460/2432

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2021
Property Address	1884 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0059962932
Book / Page	5996 / 2932
Map Reference	MB 26 PG 73&74
Instrument Date	Jun 30, 2021
Instrument	2021105395
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6103 W MASTERS DR # 125, 6103, FORT WORTH, TX 76137-6865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 DICKSON ST, DURYEA, PA 18642-1318

Mortgage

Document Number	59962934
Date	Jul 7, 2021
Instrument	5996/2934

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 20, 2019
Property Address	1884 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0054800041
Book / Page	5480 / 0041
Map Reference	MB 26 PG 73-74
Instrument Date	Feb 20, 2019
Instrument	2019021983
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	$1,670.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1884 OVERCUP AVE, SAINT CLOUD, FL 34771-4880

Mortgage

Document Number	2019021984
Date	Feb 20, 2019
Instrument	2019021984

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1884 Overcup Ave was $4,229.

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	$4,229.00	$279,200 Land $65,000 Building $214,200	$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 1884 Overcup 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 1884 Overcup 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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