1888 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1888 Overcup Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,473 sqft · built 2018
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$260,000 (Sep 2021)
Tax Bill	$4,714 (2025)
Deeds & Mortgages	Sep 2021 Sale Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0637-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0637-0001-0100`
Alternative APN	`263106063700010100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,473 sqft Living Area
Gross Area	1,950 sqft
1st Floor Area	1,473 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
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	378 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1888 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 10
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Lot Number	10
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 31, 2026

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

Owner of Record	Company Name on Record
Mailing Address	6205 LAKE LIZZIE DR, SAINT CLOUD, FL 34771-8501
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer NONA TITLE INC
Oct 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	2021143871
Deed Book / Page	6044 / 2077
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2021
Property Address	1888 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number	0060442077
Book / Page	6044 / 2077
Map Reference	MB 26 PG 73&74
Instrument Date	Sep 15, 2021
Instrument	2021143871
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7443 BUMELIA DR, 7443, COCOA, FL 32927-3414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6205 LAKE LIZZIE DR, SAINT CLOUD, FL 34771-8501

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1888 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054162947
Date	Oct 12, 2018
Book Page	5416/2947
Instrument	2018153742

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$4,714.00 (-5.36%)	$263,200 (-4.71%) Land $65,000 Building $198,200	$263,200 (-4.71%) Land $65,000 Building $198,200
2024	$4,981.00 (+6.36%)
2023	$4,683.00 (+13.03%)	$276,200 (+20.24%) Land $65,000 Building $211,200	$276,200 (+20.24%) Land $65,000 Building $211,200
2022	$4,143.00	$229,700 Land $50,000 Building $179,700	$229,700 Land $50,000 Building $179,700

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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