1925 Running Horse Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1925 Running Horse Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,060 sqft · built 2020
Lot Size	1.01 acres (44,170 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (May 2020)
Tax Bill	$5,949 (2025)
Deeds & Mortgages	May 2020 Sale & Construction Loan Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`103265`

Property Details

APN / Parcel Number

Primary APN	`103265`
Alternative APN	`182632259900012480`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,060 sqft Heated Area
Gross Area	2,228 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,170 sqft (1.01 acres)
Garage Area	2,520 sqft
Porch	Enclosed Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	103265
Street Address	1925 RUNNING HORSE TRL
City	SAINT CLOUD
State	FL
Zip	34771-7312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 248 06/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UN 3
Legal Tract	2599
Legal Block	1
Legal Lot Number	6,248
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1010
Census Tract	43801

Owner

1925 Running Horse Trl is owned and occupied by an individual who bought it in May 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	1925 RUNNING HORSE TRL, SAINT CLOUD, FL 34771-7312
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
May 8, 2020	Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK
Oct 25, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2020 · Amount on File
Deed Sale	May 8, 2020 · Amount on File
Prior Sale	Oct 25, 2019 · Amount on File
Deed Document Number	2020061726
Deed Book / Page	5719 / 1526
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 8, 2020
Property Address	1925 RUNNING HORSE TRL, SAINT CLOUD, FL 34771-7312
Document Number	0057191526
Book / Page	5719 / 1526
Map Reference	MB 4 PG 59
Instrument Date	May 7, 2020
Instrument	2020061726
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$595.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 ROYAL PALM DR, KISSIMMEE, FL 34743-9517

Mortgage

Document Number	0057191527
Date	May 8, 2020
Instrument	5719/1527

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 25, 2019
Property Address	1925 RUNNING HORSE TRL, SAINT CLOUD, FL 34771-7312
Document Number	0056120939
Book / Page	005612 / 000939
Instrument Date	Oct 24, 2019
Instrument	138562
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$539.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

Tax Assessment & Valuation

The 2025 property tax bill for 1925 Running Horse Trl was $5,949 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,949.00 Homeowner's exemption	$418,871	$508,300 Land $108,000 Building $400,300
2023	$5,580.00 (+3.76%) Homeowner's exemption	$395,211 (+3%)	$458,800 (+19.57%) Land $85,000 Building $373,800
2022	$5,378.00 Homeowner's exemption	$383,700 Land $68,000 Building $315,700	$383,700 Land $68,000 Building $315,700

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

Flood

FEMA maps place 1925 Running Horse Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2002.

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 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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 1925 Running Horse Trl is high, ranking above 85% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	1% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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