Osceola County property record for 2901 Carriage Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,238 sqft · built 1999 |
| Lot Size | 4.89 acres (213,183 sqft) |
| Owner | Individual Name on File |
| Last Sale | $620,000 (Dec 2022) |
| Tax Bill | $6,439 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage May 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 86251 |
| Primary APN | 86251 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,238 sqft Heated Area |
| Gross Area | 3,058 sqft |
| 1st Floor Area | 1,287 sqft |
| Upper Floors Area | 951 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 213,183 sqft (4.89 acres) |
| Garage Type | Finished |
| Garage Area | 1,620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 160 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Stable | 432 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 86251 |
|---|---|
| Street Address | 2901 CARRIAGE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7465 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | S L & I C PB B PG 7 LOT 38 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | KISSIMMEE PARK |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 38 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 86251
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 22, 2020 | Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 24, 2018 | Warranty Deed, Transfer NEW FRONTIER TITLE |
| May 23, 2018 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 28, 2022 · Amount on Record |
| Deed Sale | Dec 28, 2022 · Amount on Record |
| Prior Sale | May 22, 2020 · Amount on Record |
| Deed Document Number | 2022184429 |
| Deed Book / Page | 6335 / 2734 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 28, 2022 |
| Property Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Document Number | 0063352734 |
| Book / Page | 6335 / 2734 |
| Map Reference | MB B PG 7 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 2022184429 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,340.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4700 MILLENIA BLVD, ORLANDO, FL 32839-6013 |
| Name | Verified Name |
|---|---|
| Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Document Number | 0063352736 |
|---|---|
| Date | Dec 28, 2022 |
| Instrument | 6335/2736 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2020 |
| Property Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Document Number | 0057260400 |
| Book / Page | 5726 / 400 |
| Map Reference | MB B PG 7 |
| Instrument Date | May 18, 2020 |
| Instrument | 2020067213 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | THE CLOSING AGENT LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,073.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3225 CITRUS ST, 3225, LEMON GROVE, CA 91945-2216 |
| Name | Verified Name |
|---|---|
| Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Document Number | 0005726402 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 5726/402 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 24, 2018 |
| Property Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Document Number | 0053391730 |
| Book / Page | 005339 / 001730 |
| Instrument Date | May 23, 2018 |
| Instrument | 82013 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Title Company | NEW FRONTIER TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,835.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2901 CARRIAGE CT ST CLOUD FL 347727465, ST CLOUD, FL 34772-7465 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2901 CARRIAGE CT, SAINT CLOUD, FL 34772-7465 |
| Document Number | 0053391732 |
| Instrument Date | May 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2901 CARRIAGE CT ST CLOUD FL 347727465, ST CLOUD, FL 34772-7465 |
| Document Number | 0053391732 |
|---|---|
| Date | May 24, 2018 |
| Book Page | 005339/001732 |
| Instrument | 82014 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 23, 2048 |
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 | $6,439.00 (+16.23%) Homeowner's exemption | $454,229 (+15.77%) | $609,800 (+7.91%) Land $244,700 Building $365,100 |
| 2023 | $5,540.00 (+14.94%) Homeowner's exemption | $392,340 (+14.11%) | $565,100 (+48.13%) Land $244,700 Building $320,400 |
| 2022 | $4,820.00 Homeowner's exemption | $343,814 | $381,500 Land $137,000 Building $244,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 136 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | High above 76% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Based on FCC filings for 13 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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