Osceola County property record for 1995 Eldorado Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,384 sqft Heated Area |
| Lot Size | 52,708 sqft (1.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $225,000 (2017) |
| Tax Bill | $3,667.00 (2025) |
| Primary APN | 102859 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,384 sqft Heated Area |
| Gross Area | 2,354 sqft Gross Area |
| 1st Floor | 1,384 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 52,708 sqft (1.21 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 1,280 sqft Garage |
| Pool Area | 312 sqft Pool |
|---|---|
| Deck Area | 988 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 441 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 102859 |
|---|---|
| Street Address | 1995 ELDORADO CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7935 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT II PB 2 PG 293-295 LOT 210 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | BAY LAKE RANCH UN 2 |
| Legal Tract | 2598 |
| Legal Block | 1 |
| Legal Lot Number | 210 |
| Legal Unit | II |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43801 |
Source: Osceola County records · APN 102859
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1995 ELDORADO CT, SAINT CLOUD, FL 34771-7935 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 09, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Mar 15, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 15, 2017 · Amount on Record |
| Deed Sale | Mar 15, 2017 · Amount on Record |
| Deed Doc Number | 2017040189 |
| Deed Book / Page | 5117 / 0389 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1995 ELDORADO CT, SAINT CLOUD, FL 34771-7935 |
| Document Number | 0057550585 |
| Instrument Date | Jul 09, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1995 ELDORADO CT ST CLOUD FL 347717935, ST CLOUD, FL 34771-7935 |
| Document Number | 0057550585 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 005755/000585 |
| Instrument | 92401 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 15, 2017 |
| Property Address | 1995 ELDORADO CT, SAINT CLOUD, FL 34771-7935 |
| Document Number | 0051170389 |
| Book / Page | 5117 / 0389 |
| Map Reference | MB2 PG293-295 |
| Instrument Date | Mar 13, 2017 |
| Instrument | 2017040189 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1875 ELDORADO CT, 1875, SAINT CLOUD, FL 34771-9287 |
| Name | Verified Name |
|---|---|
| Address | 22601 MIRROR LAKE DR, CHUGIAK, AK 99567-5707 |
| Document Number | 0051170390 |
|---|---|
| Date | Mar 15, 2017 |
| Instrument | 5117/0390 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,667.00 (+7.57%) Homeowner's exemption | $254,136 (+5.99%) | $397,500 (+12.99%) Land $110,000 Building $287,500 |
| 2023 | $3,409.00 (+4.31%) Homeowner's exemption | $239,781 (+3%) | $351,800 (+10.21%) Land $80,000 Building $271,800 |
| 2022 | $3,268.00 Homeowner's exemption | $232,798 | $319,200 Land $80,000 Building $239,200 |
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 A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 84 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; lenders make the official flood determination.
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