1889 Shumard Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1889 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	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$296,000 (Jul 2026)
Tax Bill	$3,084 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0637-0001-1000`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0637-0001-1000`
Alternative APN	`263106063700011000`

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	3,920 sqft (0.09 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	1889 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 100
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	OAKTREE POINTE VILLAS
Legal Lot Number	100
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 15, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORPORATION
Mar 18, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 24, 2018	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2026 · Amount on Record
Deed Sale	Jul 8, 2026 · Amount on Record
Prior Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	202689487
Deed Book / Page	7000 / 2802
Prior Transfer Date	Mar 1, 2021
Prior Transfer Doc	0059151428
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 8, 2026
Property Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0000089487
Book / Page	7000 / 2802
Instrument Date	Jun 29, 2026
Instrument	202689487
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	TITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209,272.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	0000089488,
Date	Jul 8, 2026
Instrument	202689488

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2021
Property Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0059151428
Book / Page	5915 / 1428
Map Reference	MB 26 PG 73-74
Instrument Date	Mar 1, 2021
Instrument	2021040617
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2018
Property Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883
Document Number	0054220508
Book / Page	5422 / 0508
Map Reference	MB26 PG73-74
Instrument Date	Oct 24, 2018
Instrument	2018158831
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	$1,722.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 GLADES RD STE 324, 2255, BOCA RATON, FL 33431-8571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1889 SHUMARD AVE, SAINT CLOUD, FL 34771-4883

Mortgage

Document Number	2018158832
Date	Oct 24, 2018
Instrument	2018158832

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

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	$3,084.00 (+3.59%) Homeowner's exemption	$215,194 (+5.99%)	$265,400 (-4.7%) Land $65,000 Building $200,400
2024	$2,977.00 (+2.76%)
2023	$2,897.00 (+3.72%) Homeowner's exemption	$203,039 (+3%)	$278,500 (+20.15%) Land $65,000 Building $213,500
2022	$2,793.00 Homeowner's exemption	$197,126	$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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