Osceola County property record for 2045 Eldorado Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2001 |
| Square Footage | 2,014 sqft Heated Area |
| Lot Size | 46,174 sqft (1.05 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $106,600 (1996) |
| Tax Bill | $2,646.00 (2025) |
| Primary APN | 102972 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,014 sqft Heated Area |
| Gross Area | 2,695 sqft Gross Area |
| 1st Floor | 2,014 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 46,174 sqft (1.05 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Deck Area | 544 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 240 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 102972 |
|---|---|
| Street Address | 2045 ELDORADO CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7922 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT 1 PB 2 PG 278-280 LOT 54 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 18 |
| Legal Subdivision | BAY LAKE RANCH UN 1 |
| Legal Tract | 2597 |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43801 |
Source: Osceola County records · APN 102972
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2045 ELDORADO CT, SAINT CLOUD, FL 34771-7922 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 30, 1996 · Amount on Record |
| Deed Sale | Dec 30, 1996 · Amount on Record |
| Deed Doc Number | 0137001916 |
| Deed Book / Page | 01370 / 01916 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2045 ELDORADO CT, SAINT CLOUD, FL 34771-7922 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2045 ELDORADO CT, SAINT CLOUD, FL 34771-7922 |
| Document Number | 0059140058 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 5914/58 |
| Instrument | 2021039549 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2045 ELDORADO CT, SAINT CLOUD, FL 34771-7922 |
| Document Number | 0057082880 |
| Instrument Date | Apr 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2045 ELDORADO CT ST CLOUD FL 347717922, ST CLOUD, FL 34771-7922 |
| Document Number | 0057082880 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 005708/002880 |
| Instrument | 51875 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 15, 2035 |
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 | $2,646.00 (+8.53%) Homeowner's exemption | $180,443 (+5.99%) | $460,300 (+26.01%) Land $110,000 Building $350,300 |
| 2023 | $2,438.00 (+4.86%) Homeowner's exemption | $170,251 (+3%) | $365,300 (+14.66%) Land $85,000 Building $280,300 |
| 2022 | $2,325.00 Homeowner's exemption | $165,293 | $318,600 Land $80,000 Building $238,600 |
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 | High above 87% of the US · above 79% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 93 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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