Osceola County property record for 2184 James Dr, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1977 |
| Square Footage | 965 sqft Living Area |
| Lot Size | 7,884 sqft (0.181 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $230,000 (2026) |
| Tax Bill | $1,468.00 (2025) |
| Primary APN | 10-26-31-3050-000E-0040 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 965 sqft Living Area |
| Gross Area | 1,312 sqft Gross Area |
| 1st Floor | 965 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,884 sqft (0.181 acres) |
| Depth X Width | 105 ft x 75 ft Depth x Width |
| Shed | 1 Shed |
| Shed Area | 100 sqft Shed |
| Porch Area | 237 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2184 JAMES DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8829 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EL RANCHO PARK PB 1 PG 415 BLK E LOT 4 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | EL RANCHO PARK ADD BLK B |
| Legal Tract | 3050 |
| Legal Block | E |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 43301 |
Source: Osceola County records · APN 10-26-31-3050-000E-0040
Assessment roll updated November 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 05, 2026 | Deed of Trust, Mortgage · Stand Alone Second Mortgage NEW AMERICAN FUNDING |
| Mar 05, 2026 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage NEW AMERICAN FUNDING |
| Feb 06, 2024 | Deed of Trust, Mortgage · Veterans Administration Mortgage ROCKET MORTGAGE LLC |
| Mar 16, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 18, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage QUICKEN LNS |
| Nov 04, 2019 | Warranty Deed, Transfer · Veterans Administration Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 05, 2026 · Amount on Record |
| Deed Sale | Mar 05, 2026 · Amount on Record |
| Prior Sale | Nov 04, 2019 · Amount on Record |
| Deed Doc Number | 202629096 |
| Deed Book / Page | 6932 / 708 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0069320725 |
|---|---|
| Date | Mar 05, 2026 |
| Book Page | 6932/725 |
| Instrument | 2026029098 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 05, 2026 |
| Property Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0069320708 |
| Book / Page | 6932 / 708 |
| Map Reference | MB 1 PG 357 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026029096 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1000 CEDAR AVE, SAINT CLOUD, FL 34769-4081 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0069320710 |
|---|---|
| Date | Mar 05, 2026 |
| Book Page | 6932/710 |
| Instrument | 2026029097 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0065451543 |
|---|---|
| Date | Feb 06, 2024 |
| Book Page | 6545/1543 |
| Instrument | 2024015632 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0061731164 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 6173/1164 |
| Instrument | 2022042482 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0057610378 |
| Instrument Date | Jul 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2184 JAMES DR ST CLOUD FL 347718829, ST CLOUD, FL 34771-8829 |
| Document Number | 0057610378 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 005761/000378 |
| Instrument | 96754 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 04, 2019 |
| Property Address | 2184 JAMES DR, SAINT CLOUD, FL 34771-8829 |
| Document Number | 0056172499 |
| Book / Page | 005617 / 002499 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 143015 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | AMROCK INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 1572 DIAMOND LOOP DR KINDRED FL 347446070, KINDRED, FL 34744-6070 |
| Document Number | 56172503 |
|---|---|
| Date | Nov 04, 2019 |
| Book Page | 005617/002503 |
| Instrument | 143016 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 03, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,468.00 (+8.82%) Homeowner's exemption Senior Citizen's exemption | $107,515 (+5.99%) | $160,100 (+24.79%) Land $52,200 Building $107,900 |
| 2024 | $1,349.00 (+2.98%) | ||
| 2023 | $1,310.00 (+7.03%) Homeowner's exemption Senior Citizen's exemption | $101,442 (+3%) | $128,300 (+10.41%) Land $25,200 Building $103,100 |
| 2022 | $1,224.00 Homeowner's exemption Senior Citizen's exemption | $98,488 | $116,200 Land $25,200 Building $91,000 |
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 AE |
|---|---|
| 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 | 66.0 ft |
| Wildfire Risk | Moderate above 54% of the US · above 25% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 658 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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