409 Eden Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 409 Eden Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1993
Square Footage	1,352 sqft Heated Area
Lot Size	111,078 sqft (2.55 acres)
Occupancy	Owner Occupied
Tax Bill	$1,932.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`92168`
Alternative APN	`262531000000190000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,352 sqft Heated Area
Gross Area	2,206 sqft Gross Area
1st Floor	1,352 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1993
Exterior Material	Aluminum Siding Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	111,078 sqft (2.55 acres)

Exterior Amenities

Shed	1 Shed
Shed Area	80 sqft Shed
Porch	Open Porch
Porch Area	769 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	92168
Street Address	409 EDEN DR
City	SAINT CLOUD
State	FL
Zip	34771-8503
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	FROM NW COR OF NE 1/4 OF NW 1/4, S 2 DEG E 734 FT TO POB; S 2 DEG E 197.5 FT, S 83 DEG E 596.09 FT, N 2 DEG W 180 FT, N 81
Legal Range	31E
Legal Township	25S
Legal Section	26
Legal Subdivision	NEW EDEN ON LK UN-D
Legal Block	19
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1043
Census Tract	43700

Owner

Source: Osceola County records · APN 92168

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	409 EDEN DR, SAINT CLOUD, FL 34771-8503
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 14, 1984
Deed Sale	Mar 14, 1984
Deed Doc Number	0000726717
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	409 EDEN DR, SAINT CLOUD, FL 34771-8503
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 EDEN DR, SAINT CLOUD, FL 34771-8503

Mortgage

Document Number	0060180796
Date	Aug 06, 2021
Book Page	6018/796
Instrument	2021122422

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 19, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,932.00 (+9.84%) Homeowner's exemption	$128,903 (+5.99%)	$214,600 (+1.51%) Land $71,400 Building $143,200
2023	$1,759.00 (+5.65%) Homeowner's exemption	$121,623 (+3%)	$211,400 (+32.04%) Land $71,400 Building $140,000
2022	$1,665.00 Homeowner's exemption	$118,081	$160,100 Land $40,800 Building $119,300

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 Zone	Zone AE
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	66.0 ft

Wildfire

Wildfire Risk	Very High above 92% of the US · above 86% of Florida
Wildfire Likelihood	About 1 in 81 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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