2195 James Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2195 James Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,306 sqft · built 1970
Lot Size	0.158 acres (6,882 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Aug 2017)
Tax Bill	$4,194 (2025)
Deeds & Mortgages	Oct 2025 Transfer Aug 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`10-26-31-3050-000F-0030`

Property Details

APN / Parcel Number

Primary APN	`10-26-31-3050-000F-0030`
Alternative APNs	`2631103050000F0030` `97110`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,306 sqft Living Area
Gross Area	2,075 sqft
1st Floor Area	1,306 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	92 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	204 sqft
Carport	Carport
Carport Area	204 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	493 sqft
Patio Area	450 sqft
Shed	1 Shed
Shed Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2195 JAMES DR
City	SAINT CLOUD
State	FL
Zip	34771-8830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	EL RANCHO PARK PB 1 PG 415 ADDN BLK F LOT 3 & INTEREST IN BEACH LOT 14 BLK G
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	EL RANCHO PARK ADD BLK B
Legal Tract	3050
Legal Block	F,G
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43301

Owner

Source: Osceola County records, as of March 6, 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	2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 9, 2017	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Prior Sale	Jun 8, 2000 · Amount on Record
Deed Document Number	2017115197
Deed Book / Page	5192 / 768
Last Transfer Date	Oct 30, 2025
Transfer Doc	0068732299
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2025
Property Address	2195 JAMES DR, SAINT CLOUD, FL 34771-8830
Document Number	0068732299
Book / Page	6873 / 2299
Map Reference	MB 1 PG 379
Instrument Date	Oct 30, 2025
Instrument	2025135224
Transaction Type	Transfer
Record Updated	Nov 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 JAMES DR, SAINT CLOUD, FL 34771-8830

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2017
Property Address	2195 JAMES DR, SAINT CLOUD, FL 34771-8830
Document Number	0051920768
Book / Page	5192 / 0768
Map Reference	MB1 PG379
Instrument Date	Aug 4, 2017
Instrument	2017115197
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2195 JAMES DR, 2195, SAINT CLOUD, FL 34771-8830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 JAMES DR, SAINT CLOUD, FL 34771-8830

Mortgage

Document Number	0051920769
Date	Aug 9, 2017
Instrument	5192/0769

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,194.00 (+9.5%)	$263,300 (+6.26%) Land $60,000 Building $203,300	$263,300 (+6.26%) Land $60,000 Building $203,300
2024	$3,830.00 (+9.43%)	$247,800 (+14.99%) Land $45,000 Building $202,800	$247,800 (+14.99%) Land $45,000 Building $202,800
2023	$3,500.00 (+11.29%)	$215,500 (+15.3%) Land $24,400 Building $191,100	$215,500 (+15.3%) Land $24,400 Building $191,100
2022	$3,145.00	$186,900 Land $24,400 Building $162,500	$186,900 Land $24,400 Building $162,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

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	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% 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 44 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

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