1958 Education St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1958 Education St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,856 sqft · built 2024
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Apr 2026)
Tax Bill	$7,852 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-26-31-5325-0001-0990`

Property Details

APN / Parcel Number

Primary APN	`03-26-31-5325-0001-0990`
Alternative APN	`263103532500010990`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	2,474 sqft
1st Floor Area	894 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,484 sqft (0.08 acres)
Garage Type	Attached
Garage Area	504 sqft
Porch	Finished/Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1958 EDUCATION ST
City	SAINT CLOUD
State	FL
Zip	34771-8114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRINITY PLACE PH 1 PB 33 PGS 175-181 LOT 99
Legal Subdivision	TRINITY PLACE PHASE 1
Legal Lot Number	99
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of November 26, 2025

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 File
Mailing Address	1958 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 PRIMECAP LENDING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Deed Document Number	202644850
Deed Book / Page	6949 / 2002
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	1958 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0000044850
Book / Page	6949 / 2002
Instrument Date	Mar 12, 2026
Instrument	202644850
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 File
Loan-to-Value (LTV)	LTV on Record
Tax	$318,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1958 EDUCATION ST, SAINT CLOUD, FL 34771-8114

Mortgage

Document Number	0000044851,
Date	Apr 2, 2026
Instrument	202644851

Lender

Name	PRIMECAP LENDING LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2026
Property Address	1958 EDUCATION ST, SAINT CLOUD, FL 34771-8114
Document Number	0069492002
Book / Page	6949 / 2002
Instrument Date	Mar 12, 2026
Instrument	202644850
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$318,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1958 EDUCATION ST, SAINT CLOUD, FL 34771-8114

Mortgage

Document Number	0000044851,
Date	Apr 2, 2026
Instrument	202644851

Lender

Name	PRIMECAP LENDING LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$7,852.00 (+182.65%)	$333,100 Land $70,000 Building $263,100	$333,100 Land $70,000 Building $263,100
2024	$2,778.00

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

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 at the parcel

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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