Osceola County property record for 1920 Absher Rd, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,903 sqft Living Area |
| Lot Size | 371,131 sqft (8.52 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $300,000 (2013) |
| Tax Bill | $3,850.00 (2024) |
| Primary APN | 15-25-31-4260-0001-0450 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,903 sqft Living Area |
| Gross Area | 4,304 sqft Gross Area |
| 1st Floor | 1,903 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 371,131 sqft (8.52 acres) |
| Parking Spaces | 6 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 552 sqft Garage |
| Porch Area | 849 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1920 ABSHER RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9267 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NEW MAP OF NARCOOSSEE PB 1 PG 073 LOTS 45 & 46 LYING N OF JACK BRACK RD & S 1/2 LOT 36 LESS FROM NW OCR OF S 1/2 OF LOT 36 LESS FROM NW COR OF S 1/2 OF LOT 36, E 27 FT TO E R/W OF MCMICHAEL RD, BEING POB; CONT E 318 FT, S 665.86 FT TO N R/W OF BAY BR |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 15 |
| Legal Subdivision | NARCOOSSEE NEW MAP OF |
| Legal Tract | 4260 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1012 |
| Census Tract | 43700 |
Source: Osceola County records · APN 15-25-31-4260-0001-0450
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1920 ABSHER RD, SAINT CLOUD, FL 34771-9267 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 20, 2023 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Jan 09, 2020 | Loans 1 and 2 are Both Reverse Mortgages, Transfer · Federal Housing Administration (FHA) Mortgage AMERICAN ADVISORS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 11, 2013 · Amount on Record |
| Deed Sale | Oct 11, 2013 · Amount on Record |
| Prior Sale | Sep 03, 2003 · Amount on Record |
| Deed Doc Number | 2013162086 |
| Deed Book / Page | 4515 / 2852 |
| Last Transfer Date | Dec 26, 2019 |
| Transfer Doc | 0056550231 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1920 ABSHER RD, SAINT CLOUD, FL 34771-9267 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1920 ABSHER RD, SAINT CLOUD, FL 34771-9267 |
| Document Number | 0063730751 |
|---|---|
| Date | Mar 20, 2023 |
| Book Page | 6373/751 |
| Instrument | 2023031316 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 834 Months |
| Due | Aug 31, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.7% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | May 01, 2023 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 12.7% |
| Document Type | Loans 1 and 2 are Both Reverse Mortgages |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 09, 2020 |
| Property Address | 1920 ABSHER RD, SAINT CLOUD, FL 34771-9267 |
| Document Number | 0056550231 |
| Book / Page | 005655 / 000231 |
| Instrument Date | Dec 26, 2019 |
| Instrument | 4015 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2020 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1920 ABSHER RD ST CLOUD FL 347719267, ST CLOUD, FL 34771-9267 |
| Document Number | 56550234 |
|---|---|
| Date | Jan 09, 2020 |
| Book Page | 005655/000234 |
| Instrument | 4016 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 864 Months |
| Due | Jan 08, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Document Number | 56550247, |
|---|---|
| Date | Jan 09, 2020 |
| Book Page | 005655/000247 |
| Instrument | 4017 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 864 Months |
| Due | Jan 08, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,048.00 (+5.14%) Homeowner's exemption Widower's exemption | $286,596 (+5.99%) | $614,400 (+15.77%) Land $173,800 Building $440,600 |
| 2024 | $3,850.00 (+2.2%) | ||
| 2023 | $3,767.00 (+2.45%) Homeowner's exemption Widower's exemption | $270,407 (+3%) | $530,700 (+11.26%) Land $156,400 Building $374,300 |
| 2022 | $3,677.00 Homeowner's exemption Widower's exemption | $262,532 | $477,000 Land $156,400 Building $320,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | High above 90% of the US · above 83% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 84 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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