Osceola County property record for 405 Eden Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1997 |
| Lot Size | 2.68 acres (116,741 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $166,000 (Mar 2004) |
| Tax Bill | $2,206 (2025) |
| Deeds & Mortgages | Mar 2019 Second Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 92162 |
| Primary APN | 92162 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,580 sqft Heated Area |
| Gross Area | 2,530 sqft |
| 1st Floor Area | 1,580 sqft |
| Flooring | Carpet |
| Interior Walls | Masonry |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 116,741 sqft (2.68 acres) |
| Garage Type | Detached - Finished |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 320 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92162 |
|---|---|
| Street Address | 405 EDEN DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1M |
| Legal Description | FROM NE COR NW 1/4 OF NW 1/4, S 01 DEG E 931.5 FT TO POB; S 83 DEG E 596.09 FT, S 01 DEG E 180 FT, N 86 DEG W 591.05 FT, N 01 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 26 |
| Legal Subdivision | NEW EDEN ON LK UN-D |
| Legal Block | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 43700 |
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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 405 EDEN DR, SAINT CLOUD, FL 34771-8503 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2004 · Amount on Record |
| Deed Sale | Mar 2, 2004 · Amount on Record |
| Prior Sale | May 16, 2000 · Amount on Record |
| Deed Document Number | 0245402781 |
| Deed Book / Page | 02454 / 02781 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 405 EDEN DR, SAINT CLOUD, FL 34771-8503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0054891077 |
|---|---|
| Date | Mar 11, 2019 |
| Book Page | 5489/1077 |
| Instrument | 2019030693 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 11, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 405 EDEN DR, SAINT CLOUD, FL 34771-8503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057751790 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 5775/1790 |
| Instrument | 2020108133 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2035 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,206.00 (+9.26%) Homeowner's exemption | $148,638 (+5.99%) | $249,300 (+1.55%) Land $89,100 Building $160,200 |
| 2023 | $2,019.00 (+5.27%) Homeowner's exemption | $140,242 (+3%) | $245,500 (+33.28%) Land $89,100 Building $156,400 |
| 2022 | $1,918.00 Homeowner's exemption | $136,158 | $184,200 Land $50,900 Building $133,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: CenturyLink.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures