Osceola County property record for 2280 Eldorado Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2022 |
| Square Footage | 3,735 sqft Heated Area |
| Lot Size | 304,920 sqft (7 acres) |
| Garage | Finished |
| Occupancy | Owner Occupied |
| Tax Bill | $12,911.00 (2025) |
| Primary APN | 182632259700010222 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,735 sqft Heated Area |
| Gross Area | 5,845 sqft Gross Area |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 304,920 sqft (7 acres) |
| Garage Type | Finished Garage |
| Pool Area | 800 sqft Pool |
|---|---|
| Deck Area | 1,120 sqft Deck |
| Porch | Open Porch |
| Porch Area | 1,050 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2280 ELDORADO CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9564 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT 1 PB 2 PGS 278-280 N 100 FT OF LOT 21 AND ALL OF LOT 22 LESS N 150 FT OF E 580.96 FT OF LOT 22 |
| Legal Subdivision | BAY LAKE RANCH UN 1 |
| Legal Lot Number | 21-22 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1014 |
| Census Tract | 43801 |
Source: Osceola County records · APN 182632259700010222
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 Company Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2280 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company, Secondary Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Owner is a Trust |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Building or Construction Mortgage CENTENNIAL BANK |
| Aug 03, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Transfer Date | Sep 09, 2024 |
| Transfer Doc | 0066612788 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2280 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3430 WESTSHORE DR, SAINT CLOUD, FL 34772-7534 |
| Document Number | 0059412140 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 5941/2140 |
| Instrument | 2021061230 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | May 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2280 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2280 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Document Number | 0062622053 |
|---|---|
| Date | Aug 03, 2022 |
| Book Page | 6262/2053 |
| Instrument | 2022118846 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jul 01, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $12,911.00 (+5.83%) Homeowner's exemption | $921,353 (+5.99%) | $1,104,800 (+25.35%) Land $110,000 Building $994,800 |
| 2023 | $12,200.00 (+612.2%) Homeowner's exemption | $869,308 (+944.84%) | $881,400 (+959.38%) Land $85,000 Building $796,400 |
| 2022 | $1,713.00 | $83,200 Land $80,000 Building $3,200 | $83,200 Land $80,000 Building $3,200 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | High above 87% of the US · above 80% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 119 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures