1885 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1885 Shumard Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,590 sqft · built 2018
Lot Size	0.08 acres (3,484 sqft)
Owner	Individual Name on Record
Last Sale	$246,810 (Apr 2019)
Tax Bill	$2,718 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0637-0001-0990`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0637-0001-0990`
Alternative APN	`263106063700010990`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,590 sqft Living 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
Effective Year Built	Effective 2018
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,484 sqft (0.08 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1885 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 99
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Lot Number	99
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 July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1885 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CREDIT UNION
Apr 2, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2019 · Amount on Record
Deed Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	201940749
Deed Book / Page	5500 / 2056
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2026
Property Address	1885 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0000092479
Book / Page	7004 / 402
Instrument Date	Jul 10, 2026
Instrument	202692479
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213,514.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0000092480,
Date	Jul 15, 2026
Instrument	202692480

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2019
Property Address	1885 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0055002056
Book / Page	5500 / 2056
Map Reference	MB 26 PG 73&74
Instrument Date	Mar 29, 2019
Instrument	2019040749
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	$1,728.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	777 S FLAGLER DR # 800, 777, WEST PALM BEACH, FL 33401-6161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1885 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	2019040750
Date	Apr 2, 2019
Instrument	2019040750

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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	$2,718.00 (+6.59%) Homeowner's exemption	$194,763 (+5.99%)	$265,400 (-4.7%) Land $65,000 Building $200,400
2023	$2,550.00 (+3.83%) Homeowner's exemption	$183,763 (+3%)	$278,500 (+20.15%) Land $65,000 Building $213,500
2022	$2,456.00 Homeowner's exemption	$178,411	$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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