146 Polermo Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 146 Polermo Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2021
Square Footage	1,825 sqft Heated Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$306,400 (2021)
Tax Bill	$4,032.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212531497800010410`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,825 sqft Heated Area
Gross Area	2,512 sqft Gross Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished Garage
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	146 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 41
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	SIENA RESERVE
Legal Phase	2A
Legal Tract	4978
Legal Lot Number	41
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1061
Census Tract	43700

Owner

Source: Osceola County records · APN 212531497800010410

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	146 POLMERO AVE, SAINT CLOUD, FL 34771
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	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Deed Doc Number	2021160712
Deed Book / Page	6065 / 2671
Record Refreshed	Jun 08, 2026

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 15, 2021
Property Address	146 POLERMO AVE, SAINT CLOUD, FL 34771-9430
Document Number	0060652671
Book / Page	6065 / 2671
Map Reference	MB 29 PG 42-47
Instrument Date	Oct 12, 2021
Instrument	2021160712
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,144.80
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	146 POLERMO AVE, SAINT CLOUD, FL 34771-9430

Mortgage

Document Number	0060652673
Date	Oct 15, 2021
Instrument	6065/2673

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

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	$4,032.00 (+7.35%) Homeowner's exemption	$280,448 (+5.99%)	$327,600 (+5%) Land $75,000 Building $252,600
2023	$3,756.00 (+4.19%) Homeowner's exemption	$264,607 (+3%)	$312,000 (+21.45%) Land $70,000 Building $242,000
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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	About 1 in 142 per year
Exposure	Direct burnable vegetation at the parcel

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