1891 Carolyn Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1891 Carolyn Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 1987
Lot Size	0.325 acres (14,157 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Sep 2023)
Tax Bill	$3,460 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0853-0001-013B`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0853-0001-013B`
Alternative APNs	`26301408530001013B` `14263039870001013B` `84956`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,432 sqft Living Area
Gross Area	2,200 sqft
1st Floor Area	1,432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	121 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	240 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1891 CAROLYN CT
City	SAINT CLOUD
State	FL
Zip	34769-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LORRAINE EST UNIT 1B PB 5 PG 16 LOT 13B
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	LORRAINE ESTATES UNIT 1B
Legal Tract	853
Legal Block	13B
Legal Lot Number	13B
Legal Unit	1B
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2026
Census Tract	43303

Owner

Source: Osceola County records, as of November 26, 2025

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	431 E CENTRAL BLVD, 211, ORLANDO, FL 32801-1901
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2023 · Amount on Record
Deed Sale	Sep 28, 2023 · Amount on Record
Prior Sale	Oct 5, 2016 · Amount on Record
Deed Document Number	2023127469
Deed Book / Page	6480 / 2726
Prior Transfer Date	Dec 10, 2010
Prior Transfer Doc	0040760623
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2023
Property Address	1891 CAROLYN CT, SAINT CLOUD, FL 34769-5503
Document Number	0064802726
Book / Page	6480 / 2726
Map Reference	MB 5 PG 16
Instrument Date	Sep 25, 2023
Instrument	2023127469
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1391 DUTCH VALLEY RD, CLINTON, TN 37716-5112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E CENTRAL BLVD APT 211, 211, ORLANDO, FL 32801-1901

Mortgage

Document Number	0064802728
Date	Sep 28, 2023
Instrument	6480/2728

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.2%
Max Rate	12.2%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1891 CAROLYN CT, SAINT CLOUD, FL 34769-5503
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1891 CAROLYN CT, SAINT CLOUD, FL 34769-5503

Mortgage

Document Number	0059280381
Date	Apr 6, 2021
Book Page	5928/381
Instrument	2021050542

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$3,460.00 (+3.53%)	$236,212 (+52.94%)	$284,800 (+9.96%) Land $65,000 Building $219,800
2024	$3,342.00 (+65.28%)
2023	$2,022.00 (+4.07%) Homeowner's exemption	$154,451 (+3%)	$259,000 (+24.16%) Land $60,000 Building $199,000
2022	$1,943.00 Homeowner's exemption	$149,953	$208,600 Land $50,000 Building $158,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.1% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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