Osceola County property record for 2290 Eldorado Ct, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2023 |
| Square Footage | 3,344 sqft Living Area |
| Lot Size | 226,512 sqft (5.2 acres) |
| Garage | Attached, 1,455 sqft |
| Last Sale | $1,100,000 (2026) |
| Tax Bill | $13,358.00 (2025) |
| Primary APN | 18-26-32-2597-0001-0185 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,344 sqft Living Area |
| Gross Area | 5,943 sqft Gross Area |
| 1st Floor | 3,344 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 226,512 sqft (5.2 acres) |
| Garage Type | Attached Garage |
| Garage Area | 1,455 sqft Garage |
| Heating System | Central Heating |
|---|
| Street Address | 2290 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 PG 278-280 S 1/2 OF LOT 18 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 18 |
| Legal Subdivision | BAY LAKE RANCH UNIT 1 |
| Legal Lot Number | 18 |
| 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 18-26-32-2597-0001-0185
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 Company Names on File |
|---|---|
| Mailing Address | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Feb 08, 2024 | Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK |
| Nov 02, 2022 | Deed of Trust, Mortgage · Building or Construction Mortgage CENTENNIAL BANK |
| Jun 04, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Sep 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2026 · Amount on Record |
| Deed Sale | Jun 04, 2026 · Amount on Record |
| Prior Sale | Sep 27, 2021 · Amount on Record |
| Deed Doc Number | 202673602 |
| Deed Book / Page | 6982 / 2506 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Document Number | 0065470643 |
|---|---|
| Date | Feb 08, 2024 |
| Book Page | 6547/643 |
| Instrument | 2024017246 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | LUTZ, FL 33549 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 03, 2044 |
| 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 | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6990 BUCKHORN TRL, SAINT CLOUD, FL 34771-8303 |
| Document Number | 0063092458 |
|---|---|
| Date | Nov 02, 2022 |
| Book Page | 6309/2458 |
| Instrument | 2022161261 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Nov 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 04, 2026 |
| Property Address | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Document Number | 0000073602 |
| Book / Page | 6982 / 2506 |
| Instrument Date | May 29, 2026 |
| Instrument | 202673602 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $777,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Document Number | 0000073603, |
|---|---|
| Date | Jun 04, 2026 |
| Instrument | 202673603 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 27, 2021 |
| Property Address | 2290 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Document Number | 0060521679 |
| Book / Page | 6052 / 1679 |
| Map Reference | MB 2 PG 278 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021149808 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2284 ELDORADO CT, SAINT CLOUD, FL 34771-9564 |
| Name | Verified Name |
|---|---|
| Address | 1961 AKIN ROAD, FARMINGTON, MN 55024 |
| Document Number | 0060521680 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 6052/1680 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,358.00 (+1,024.41%) | $953,600 (+1,021.88%) Land $110,000 Building $843,600 | $953,600 (+1,021.88%) Land $110,000 Building $843,600 |
| 2023 | $1,188.00 (+6.17%) | $85,000 (+6.25%) Land $85,000 | $85,000 (+6.25%) Land $85,000 |
| 2022 | $1,119.00 | $80,000 Land $80,000 | $80,000 Land $80,000 |
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 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 85% of the US · above 77% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 131 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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