Osceola County property record for 118 Polermo Ave, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2021 |
| Square Footage | 2,832 sqft Living Area |
| Lot Size | 6,098 sqft (0.14 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $460,000 (2025) |
| Tax Bill | $4,797.00 (2024) |
| Primary APN | 21-25-31-4978-0001-0480 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,832 sqft Living Area |
| Gross Area | 3,395 sqft Gross Area |
| 1st Floor | 1,264 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached Garage |
| Garage Area | 500 sqft Garage |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 118 POLERMO AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9430 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 48 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Lot Number | 48 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 21-25-31-4978-0001-0480
Assessment roll updated November 26, 2025 · Last verified June 2026
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 |
|---|---|
| Mailing Address | 118 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 13, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 09, 2021 | Special Warranty Deed, Transfer · Veterans Administration Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 13, 2025 · Amount on Record |
| Deed Sale | Mar 13, 2025 · Amount on Record |
| Prior Sale | Nov 09, 2021 · Amount on Record |
| Deed Doc Number | 202532087 |
| Deed Book / Page | 6754 / 1590 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2025 |
| Property Address | 118 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0067541590 |
| Book / Page | 6754 / 1590 |
| Map Reference | MB 29 PG 42 |
| Instrument Date | Mar 11, 2025 |
| Instrument | 2025032087 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7037 SIENNA OAK ALY, ORLANDO, FL 32829-3028 |
| Name | Verified Name |
|---|---|
| Address | 118 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0067541592 |
|---|---|
| Date | Mar 13, 2025 |
| Instrument | 6754/1592 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 09, 2021 |
| Property Address | 118 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0060831008 |
| Book / Page | 6083 / 1008 |
| Map Reference | MB 29 PG 42 |
| Instrument Date | Nov 05, 2021 |
| Instrument | 2021174476 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,593.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 118 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0060831010 |
|---|---|
| Date | Nov 09, 2021 |
| Instrument | 6083/1010 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| 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 | $5,024.00 (+4.73%) | $352,062 (+5.99%) | $411,200 (+4.82%) Land $75,000 Building $336,200 |
| 2024 | $4,797.00 (+2.09%) | ||
| 2023 | $4,699.00 (+18.96%) Homeowner's exemption | $332,175 (+3%) | $392,300 (+21.64%) Land $70,000 Building $322,300 |
| 2022 | $3,950.00 Homeowner's exemption | $322,500 Land $60,000 Building $262,500 | $322,500 Land $60,000 Building $262,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 157 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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