2205 Barbara Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2205 Barbara Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1985
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Dec 2022)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2023 Second Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`1026313050000E0240`

Property Details

APN / Parcel Number

Primary APN	`1026313050000E0240`
Alternative APN	`97105`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Heated Area
Gross Area	1,377 sqft
1st Floor Area	1,080 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	209 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Patio Area	160 sqft
Fence	Fence
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97105
Street Address	2205 BARBARA DR
City	SAINT CLOUD
State	FL
Zip	34771-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	EL RANCHO PARK PB 1 PG 415 BLK E LOT 24 AND INTEREST IN BEACH LOT 14 BLK G
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	EL RANCHO PARK ADDN
Legal Tract	3050
Legal Block	E,G
Legal Lot Number	14,24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
Census Tract	43301

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Mar 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUARANTEED RATE AFFINITY LLC
Dec 12, 2022	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Mar 29, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY LOAN SERVICING LLC
Sep 6, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2022 · Amount on Record
Deed Sale	Dec 12, 2022 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	2022177319
Deed Book / Page	6328 / 50
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518

Mortgage

Document Number	0063690970
Date	Mar 9, 2023
Book Page	6369/970
Instrument	2023028026

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2052

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828

Mortgage

Document Number	0063690986
Date	Mar 9, 2023
Book Page	6369/986
Instrument	2023028027

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2052

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2022
Property Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828
Document Number	0063280050
Book / Page	6328 / 50
Map Reference	MB 1 PG 357
Instrument Date	Dec 1, 2022
Instrument	2022177319
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	CONCIERGE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700531, SAINT CLOUD, FL 34770-0531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828

Mortgage

Document Number	0063280052
Date	Dec 12, 2022
Book Page	6328/52
Instrument	2022177320

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828

Mortgage

Document Number	0061811813
Date	Mar 29, 2022
Book Page	6181/1813
Instrument	2022049372

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 6, 2019
Property Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828
Document Number	0055842642
Book / Page	5584 / 2642
Map Reference	MB 1 PG 415
Instrument Date	Sep 5, 2019
Instrument	2019114950
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 LAKESHORE BLVD, 434, KISSIMMEE, FL 34741-5745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 BARBARA DR, SAINT CLOUD, FL 34771-8828

Mortgage

Document Number	0055842643
Date	Sep 6, 2019
Instrument	5584/2643

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,848.00 (+8.29%) Homeowner's exemption	$195,016 (+5.99%)	$216,100 (+17.45%) Land $52,200 Building $163,900
2023	$2,630.00 (+36.77%) Homeowner's exemption	$184,000 (+34.79%) Land $25,200 Building $158,800	$184,000 (+14.64%) Land $25,200 Building $158,800
2022	$1,923.00 Homeowner's exemption	$136,504	$160,500 Land $25,200 Building $135,300

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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