1902 Ashley Oaks Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1902 Ashley Oaks Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 1997
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (May 2026)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0061-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0061-0001-0020`
Alternative APNs	`263106006100010020` `96073`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 sqft Living Area
Gross Area	2,554 sqft
1st Floor Area	1,704 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	118 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1902 ASHLEY OAKS CT
City	SAINT CLOUD
State	FL
Zip	34771-4850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	ASHLEY OAKS PB 8 PG 44 LOT 2
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ASHLEY OAKS
Legal Tract	61
Legal Block	20
Legal Lot Number	2
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 May 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1902 ASHLEY OAKS CT, SAINT CLOUD, FL 34771-4850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW
Oct 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Dec 29, 1995 · Amount on Record
Deed Document Number	202657787
Deed Book / Page	6964 / 2680
Prior Transfer Date	May 22, 2024
Prior Transfer Doc	0067921156
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2026
Property Address	1902 ASHLEY OAKS CT, SAINT CLOUD, FL 34771-4850
Document Number	0000057787
Book / Page	6964 / 2680
Instrument Date	Apr 29, 2026
Instrument	2026.57787
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243,915.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 ASHLEY OAKS CT, SAINT CLOUD, FL 34771-4850

Mortgage

Document Number	0000057788,
Date	May 1, 2026
Book Page	6964/2682
Instrument	2026.57788

Lender

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2020
Property Address	1902 ASHLEY OAKS CT, SAINT CLOUD, FL 34771-4850
Document Number	0058080928
Book / Page	005808 / 000928
Instrument Date	Oct 6, 2020
Instrument	134806
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1902 ASHLEY OAKS CT ST CLOUD FL 347714850, ST CLOUD, FL 34771-4850

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2020
Property Address	1902 ASHLEY OAKS CT, SAINT CLOUD, FL 34771-4850
Document Number	0058080334
Book / Page	005808 / 000334
Instrument Date	Oct 6, 2020
Instrument	134621
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1902 ASHLEY OAKS CT ST CLOUD FL 347714850, ST CLOUD, FL 34771-4850

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	$1,228.00 (+4.24%)	$111,482 (+5.99%)	$324,300 (+6.78%) Land $70,000 Building $254,300
2024	$1,178.00 (+3.79%)
2023	$1,135.00 (+5%) Homeowner's exemption	$105,186 (+3%)	$303,700 (+27.44%) Land $60,000 Building $243,700
2022	$1,081.00 Homeowner's exemption	$102,123	$238,300 Land $50,000 Building $188,300

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 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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