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1892 Overcup Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1892 Overcup Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,473 sqft · built 2018
Lot Size0.089 acres (3,920 sqft)
OwnerIndividual Name on File
Last Sale$214,695 (Oct 2018)
Tax Bill$3,046 (2025)
Deeds & MortgagesJan 2020 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN062631063700010090

Property Details

APN / Parcel Number

Primary APN062631063700010090

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,473 sqft Heated Area
Gross Area1,950 sqft
1st Floor Area1,473 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,920 sqft (0.089 acres)
Garage TypeFinished
Garage Area378 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area99 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1892 OVERCUP AVE
CitySAINT CLOUD
StateFL
Zip34771-4880
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOAKTREE POINTE VILLAS PB 26 PGS 73-74 LOT 9
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionOAKTREE POINTE VILLAS
Legal Tract637
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2008
Census Tract43600

Owner

Source: Osceola County records · APN 062631063700010090

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1892 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 15, 2020Deed of Trust, Mortgage · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 15, 2018Special Warranty Deed, Transfer · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 15, 2018 · Amount on Record
Deed SaleOct 15, 2018 · Amount on Record
Deed Document Number2018153933
Deed Book / Page5417 / 0765
Record UpdatedJun 08, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1892 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056581783
DateJan 15, 2020
Book Page5658/1783
Instrument2020007777
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2050

October 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 15, 2018
Property Address1892 OVERCUP AVE, SAINT CLOUD, FL 34771-4880
Document Number0054170765
Book / Page5417 / 0765
Map ReferenceMB26 PG73&74
Instrument DateOct 12, 2018
Instrument2018153933
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,502.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2255 GLADES RD # RD324A, 2255, BOCA RATON, FL 33431-7382

Transferred To (Grantee/Buyer)

NameVerified Name
Address1892 OVERCUP AVE, SAINT CLOUD, FL 34771-4880

Mortgage

Document Number2018153934
DateOct 15, 2018
Instrument2018153934
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,046.00 (+6.43%) Homeowner's exemption$213,095 (+5.99%)$263,200 (-4.71%) Land $65,000 Building $198,200
2023$2,862.00 (+3.77%) Homeowner's exemption$201,059 (+3%)$276,200 (+20.24%) Land $65,000 Building $211,200
2022$2,758.00 Homeowner's exemption$195,203$229,700 Land $50,000 Building $179,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 148 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 219 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Lumen Technologies, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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