404 Samantha K Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 404 Samantha K Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,680 sqft · built 2004
Lot Size	0.323 acres (14,070 sqft)
Owner	Individual Name on Record
Last Sale	$338,300 (Mar 2019)
Tax Bill	$5,097 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`114005`

Property Details

APN / Parcel Number

Primary APN	`114005`
Alternative APN	`192531301400010570`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,680 sqft Heated Area
Gross Area	3,284 sqft
1st Floor Area	2,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,070 sqft (0.323 acres)
Garage Type	Finished
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Enclosed Porch
Porch Area	496 sqft
Deck Area	658 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	114005
Street Address	404 SAMANTHA K CT
City	SAINT CLOUD
State	FL
Zip	34771-8314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	EAST LAKE RESERVE AT NARCOOSSEE UNIT ONE PB 14 PGS 97-99 20-25-31 LOT 57
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract	3014
Legal Block	1
Legal Lot Number	57
Legal Unit	ON
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43600

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	404 SAMANTHA K CT, SAINT CLOUD, FL 34771-8314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC
Jan 14, 2019	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Jan 14, 2019 · Amount on Record
Deed Document Number	2019037724
Deed Book / Page	5496 / 2573
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 26, 2019
Property Address	404 SAMANTHA K CT, SAINT CLOUD, FL 34771-8314
Document Number	0054962573
Book / Page	5496 / 2573
Map Reference	MB 14 PG 97-99
Instrument Date	Mar 19, 2019
Instrument	2019037724
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,368.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SAMANTHA K CT, SAINT CLOUD, FL 34771-8314

Mortgage

Document Number	2019037725
Date	Mar 26, 2019
Instrument	2019037725

Lender

Name	HOME1ST LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 14, 2019
Property Address	404 SAMANTHA K CT, SAINT CLOUD, FL 34771-8314
Document Number	0054620434
Book / Page	005462 / 000434
Instrument Date	Jan 10, 2019
Instrument	4805
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,324.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

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	$5,097.00 (+6.88%) Homeowner's exemption	$357,338 (+5.99%)	$468,200 (+5.19%) Land $75,000 Building $393,200
2023	$4,769.00 (+3.9%) Homeowner's exemption	$337,154 (+3%)	$445,100 (+5.52%) Land $60,000 Building $385,100
2022	$4,590.00 Homeowner's exemption	$327,334	$421,800 Land $55,000 Building $366,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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 59% of the US · lower than 67% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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