1954 Education St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1954 Education St, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on Record
Last Sale	$474,300 (Apr 2026)
Tax Bill	$2,950 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-5325-0001-1000`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-5325-0001-1000`
Alternative APN	`263103532500011000`

Exterior

Lot Area	3,484 sqft (0.08 acres)

Location & Zoning

Street Address	1954 EDUCATION ST
City	SAINT CLOUD
State	FL
Zip	34771-8114
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	TRINITY PLACE PH 1 PB 33 PGS 175-181 LOT 100
Legal Subdivision	TRINITY PLACE PHASE 1
Legal Lot Number	100
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43700

Owner

Source: Osceola County records, as of July 2, 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	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Special Warranty Deed, Transfer · FHA Mortgage PRIMECAP LENDING LLC
Apr 2, 2026	Special Warranty Deed, Transfer · FHA Mortgage PRIME LENDING
Dec 2, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Nov 20, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Nov 4, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Nov 4, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Deed Document Number	202644632
Deed Book / Page	6949 / 1030
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2026
Property Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0000044632
Book / Page	6949 / 1030
Instrument Date	Mar 5, 2026
Instrument	202644632
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,330.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114

Mortgage

Document Number	0000044633,
Date	Apr 2, 2026
Instrument	202644633

Lender

Name	PRIMECAP LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2026
Property Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0069491030
Book / Page	6949 / 1030
Instrument Date	Mar 5, 2026
Instrument	202644632
Transaction Type	Transfer
Record Updated	Aug 21, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,330.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044633,
Date	Apr 2, 2026
Instrument	202644633

Lender

Name	PRIME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.62%
Max Rate	-1%

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2025
Property Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0068872348
Book / Page	6887 / 2348
Map Reference	MB 33 PG 175-181
Instrument Date	Nov 28, 2025
Instrument	2025147507
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6068 VISION RD, SAINT CLOUD, FL 34771-8130

November 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2025
Property Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0068831334
Book / Page	6883 / 1334
Map Reference	MB 33 PG 175-181
Instrument Date	Nov 10, 2025
Instrument	2025143533
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$3,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6014 VISION RD, SAINT CLOUD, FL 34771-8130

November 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 4, 2025
Property Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0068751355
Book / Page	6875 / 1355
Map Reference	MB 33 PG 175-181
Instrument Date	Oct 30, 2025
Instrument	2025136519
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$3,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6074 VISION RD, SAINT CLOUD, FL 34771-8130

November 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 4, 2025
Property Address	1954 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0068751510
Book / Page	6875 / 1510
Instrument Date	Oct 30, 2025
Instrument	2025136559
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Tax	$3,374.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6061 VISION RD, SAINT CLOUD, FL 34771-8131

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	$2,950.00 (+6.19%)	$70,000 (+4%) Land $70,000	$70,000 (+4%) Land $70,000
2024	$2,778.00	$50,000 Land $50,000	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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	High above 79% of the US · above 69% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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