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2296 Eldorado Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2296 Eldorado Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms5 Baths
Year BuiltBuilt 2022
Square Footage3,470 sqft Heated Area
Lot Size217,800 sqft (5 acres)
OccupancyOwner Occupied
Last Sale$150,000 (2021)
Tax Bill$10,525.00 (2025)

Property Details

APN / Parcel Number

Primary APN102934
Alternative APN
  • 182632259700010170

Interior

Bedrooms4 Beds
Full Baths5 Baths
Building Area3,470 sqft Heated Area
Gross Area4,742 sqft Gross Area
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2022
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialMetal Roof
Lot Area217,800 sqft (5 acres)
Garage Area2,250 sqft Garage

Exterior Amenities

Pool Area40 sqft Pool
FenceFence
Shed1 Shed
Shed Area372 sqft Shed
Deck Area800 sqft Deck
PorchFinished/Screened Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number102934
Street Address2296 ELDORADO CT
CitySAINT CLOUD
StateFL
Zip34771-9564
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBAY LAKE RANCH UNIT 1 PB 2 PG 278-280 N 1/2 OF LOT 17
Legal Range32E
Legal Township26S
Legal Section18
Legal SubdivisionBAY LAKE RANCH UN 1
Legal Tract2597
Legal Block1
Legal Lot Number17
Legal Unit1P
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1014
Census Tract43801

Owner

Source: Osceola County records · APN 102934

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2296 ELDORADO CT, SAINT CLOUD, FL 34771-9564
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2021Deed of Trust, Mortgage · Building or Construction Mortgage
SOUTH STATE BANK NA
Mar 29, 2021Warranty Deed, Transfer
A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL
Nov 02, 2020Warranty Deed, Transfer · Conventional Mortgage
LOCAL 606 ELECTRICAL WRKRS FCU
May 26, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 29, 2021 · Amount on Record
Deed SaleMar 29, 2021 · Amount on Record
Prior SaleSep 10, 1999
Deed Doc Number2021046241
Deed Book / Page5922 / 903
Record RefreshedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2296 ELDORADO CT, SAINT CLOUD, FL 34771-9564
Transaction TypeMortgage
Record UpdatedJan 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address6530 BAY SHORE DR, SAINT CLOUD, FL 34771-9504

Mortgage

Document Number0060241201
DateAug 17, 2021
Book Page6024/1201
Instrument2021127514
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressCHARLESTON, SC 29406
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051
Interest
Rate TypeAdjustable Rate
Rate3.75%
Type Change DateSep 01, 2028
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change5.75%
Index1-Year CMT
Max Rate9.75%

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 29, 2021
Property Address2296 ELDORADO CT, SAINT CLOUD, FL 34771-9564
Document Number0059220903
Book / Page5922 / 903
Map ReferenceMB 2 PG 278-280
Instrument DateMar 26, 2021
Instrument2021046241
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
Tax$1,050.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1184 ELDORADO CT, SAINT CLOUD, FL 34771

Transferred To (Grantee/Buyer)

NameVerified Name
Address6530 BAY SHORE DR, SAINT CLOUD, FL 34771-9504

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 02, 2020
Property Address2296 ELDORADO CT, SAINT CLOUD, FL 34771-9564
Document Number0058242106
Book / Page005824 / 002106
Instrument DateOct 30, 2020
Instrument148734
Transaction TypeTransfer
Record UpdatedNov 23, 2020
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,141.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address6 IDORA BLVD KISSIMMEE FL 34744, KISSIMMEE, FL 34744

Mortgage

Document Number58242107
DateNov 02, 2020
Book Page005824/002107
Instrument148735
Lender
NameLOCAL 606 ELECTRICAL WRKRS FCU
Address820 VIRGINIA DR, ORLANDO, FL 32803-2530
Agreement
TypeConventional Mortgage
AmountAmount Recorded

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 26, 2020
Property Address2296 ELDORADO CT, SAINT CLOUD, FL 34771-9564
Document Number0057262978
Book / Page005726 / 002978
Instrument DateMay 21, 2020
Instrument67833
Transaction TypeTransfer
Record UpdatedJul 21, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,138.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2284 ELDORADO CT ST CLOUD FL 347719564, ST CLOUD, FL 34771-9564

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$10,525.00 (+11.16%) Homeowner's exemption$697,694 (+10.89%)$898,400 (+29.58%) Land $110,000 Building $788,400
2023$9,468.00 (+317.09%) Homeowner's exemption$629,168 (+686.46%)$693,300 (+766.63%) Land $85,000 Building $608,300
2022$2,270.00$80,000 Land $80,000$80,000 Land $80,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskHigh
above 85% of the US · above 77% of Florida
Wildfire LikelihoodAbout 1 in 131 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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