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126 Polermo Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 126 Polermo Ave, Saint Cloud, FL 34771 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2021
Square Footage1,825 sqft Living Area
Lot Size6,098 sqft (0.14 acres)
OccupancyOwner Occupied
Last Sale$314,000 (2021)
Tax Bill$4,090.00 (2025)

Property Details

APN / Parcel Number

Primary APN21-25-31-4978-0001-0460
Alternative APN
  • 253121497800010460

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,825 sqft Living Area
Gross Area2,512 sqft Gross Area
1st Floor1,825 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached Garage
Garage Area438 sqft Garage

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address126 POLERMO AVE
CitySAINT CLOUD
StateFL
Zip34771-9430
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 46
Legal Range31E
Legal Township25S
Legal Section21
Legal SubdivisionSIENA RESERVE
Legal Phase2A
Legal Lot Number46
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1053
Census Tract43700

Owner

Source: Osceola County records · APN 21-25-31-4978-0001-0460

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address126 POLERMO AVE, SAINT CLOUD, FL 34771-9430
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 03, 2026Deed of Trust, Mortgage · Line of Credit
SUNCOAST CREDIT UNION
Aug 10, 2021Special Warranty Deed, Transfer · Conventional Mortgage
HOME SOLUTION LENDERS INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 10, 2021 · Amount on Record
Deed SaleAug 10, 2021 · Amount on Record
Deed Doc Number2021123194
Deed Book / Page6019 / 923
Record RefreshedSep 20, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateAug 03, 2026
Property Address126 POLERMO AVE, SAINT CLOUD, FL 34771-9430
Document Number0000100550
Book / Page7013 / 928
Instrument DateJul 25, 2026
Instrument2026100550
Transaction TypeMortgage
Record UpdatedAug 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address126 POLERMO AVE, SAINT CLOUD, FL 34771-9430

Mortgage

Document Number0000100550,
DateAug 03, 2026
Book Page7013/928
Instrument2026100550
Lender
NameSUNCOAST CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term156 Months
DueAug 03, 2039
Interest
Rate TypeAdjustable Rate
Rate6.49%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

August 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 10, 2021
Property Address126 POLERMO AVE, SAINT CLOUD, FL 34771-9430
Document Number0060190923
Book / Page6019 / 923
Map ReferenceMB 29 PG 42
Instrument DateAug 04, 2021
Instrument2021123194
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,198.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address126 POLERMO AVE, SAINT CLOUD, FL 34771-9430

Mortgage

Document Number0006019925
DateAug 10, 2021
Instrument6019/925
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,090.00 (+7.29%) Homeowner's exemption$284,688 (+5.99%)$331,200 (+4.81%) Land $75,000 Building $256,200
2023$3,812.00 (+5.74%) Homeowner's exemption$268,607 (+4.56%)$316,000 (+23.01%) Land $70,000 Building $246,000
2022$3,605.00 Homeowner's exemption$256,900 Land $60,000 Building $196,900$256,900 Land $60,000 Building $196,900

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 80% of the US · above 69% of Florida
Wildfire LikelihoodAbout 1 in 157 per year
ExposureDirect
burnable vegetation at the parcel

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

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