1920 Carolyn Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1920 Carolyn Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,629 sqft · built 1981
Lot Size	0.333 acres (14,505 sqft)
Owner	Individual Name on File
Tax Bill	$2,172 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0852-0001-0070`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0852-0001-0070`
Alternative APNs	`142630398500010070` `263014085200010070` `84891`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,629 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	1,629 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,505 sqft (0.333 acres)
Lot Dimensions	122 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	32 sqft
Porch	Metal Porch
Porch Area	440 sqft
Deck Area	597 sqft
Patio Area	408 sqft
Shed	1 Shed
Shed Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1920 CAROLYN CT
City	SAINT CLOUD
State	FL
Zip	34769-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LORRAINE EST UNIT 1 PB 2 PG 184 LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	LORRAINE ESTATES UNIT 1
Legal Tract	852
Legal Block	70
Legal Lot Number	7
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

1920 Carolyn Ct is owned and occupied by an individual who acquired it in August 2003.

Source: Osceola County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1920 CAROLYN CT, SAINT CLOUD, FL 34769-5504
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 4, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2003
Deed Sale	Aug 18, 2003
Prior Sale	Feb 11, 1997 · Amount on File
Deed Book / Page	2317 / 919
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2026
Property Address	1920 CAROLYN CT, SAINT CLOUD, FL 34769-5504
Document Number	0000091156
Book / Page	7002 / 2538
Instrument Date	Jul 2, 2026
Instrument	202691156
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 CAROLYN CT, SAINT CLOUD, FL 34769-5504

Mortgage

Document Number	0000091156,
Date	Jul 13, 2026
Book Page	7002/2538
Instrument	202691156

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2056

Interest

Rate	6.48%
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1920 CAROLYN CT, SAINT CLOUD, FL 34769-5504
Document Number	0055321883
Instrument Date	May 4, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 CAROLYN CT ST CLOUD FL 347695504, ST CLOUD, FL 34769-5504

Mortgage

Document Number	0055321883
Date	May 30, 2019
Book Page	005532/001883
Instrument	69715

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1920 Carolyn Ct was $2,172 with a homeowner's exemption.

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	$2,172.00 Homeowner's exemption	$164,237	$315,900 Land $65,000 Building $250,900
2023	$1,629.00 (+4.36%) Homeowner's exemption	$132,613 (+3%)	$284,800 (+22.55%) Land $60,000 Building $224,800
2022	$1,561.00 Homeowner's exemption	$128,751	$232,400 Land $50,000 Building $182,400

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

Flood

FEMA maps place 1920 Carolyn Ct in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 1920 Carolyn Ct is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% 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 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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