1699 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1699 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Details	2 bd · 2 ba · 1,568 sqft · built 1988
Lot Size	0.86 acres (37,461 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Dec 2020)
Tax Bill	$940 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-4260-0250-0040`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4260-0250-0040`
Alternative APNs	`253117426002500040` `91224`

Interior

1st Floor Area	1,568 sqft

Exterior

Lot Area	37,461 sqft (0.86 acres)
Lot Dimensions	109 ft deep x 123 ft wide
Porch	Porch
Porch Area	36 sqft

Location & Zoning

Street Address	1699 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7866
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	RS-2
Legal Description	NEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 250 LOTS 1-5 & W 1/2 OF VAC 8TH AVE ABUTTING LOT 1
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	250
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43700

Owner

1699 Underwood Ave, vacant land, is owned by two individuals who bought it in December 2020.

Source: Osceola County records, as of June 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7360 CURRY FORD RD, 720101, ORLANDO, FL 32822-7967
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Construction Mortgage MIDFLORIDA CREDIT UNION
Dec 31, 2020	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Prior Sale	Oct 8, 2015 · Amount on File
Deed Document Number	2020177516
Deed Book / Page	5862 / 279
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 10, 2026
Property Address	1699 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7866
Document Number	0000076595
Book / Page	6986 / 859
Instrument Date	Jun 9, 2026
Instrument	202676595
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9687 MYRTLE CREEK LN, ORLANDO, FL 32832-5905

Mortgage

Document Number	0000076595,
Date	Jun 10, 2026
Book Page	6986/859
Instrument	202676595

Lender

Name	MIDFLORIDA CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	375 Months
Due	Sep 1, 2057

Interest

Rate	6.36%
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 31, 2020
Property Address	1699 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7866
Document Number	0058620279
Book / Page	005862 / 000279
Instrument Date	Dec 11, 2020
Instrument	177516
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1699 UNDERWOOD AVE ST CLOUD FL 347717866, ST CLOUD, FL 34771-7866

Tax Assessment & Valuation

The 2025 property tax bill for 1699 Underwood Ave was $940.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$940.00	$67,900 Land $67,900	$67,900 Land $67,900
2023	$948.00 (-0.11%)	$67,900 (-) Land $67,900	$67,900 (-) Land $67,900
2022	$949.00	$67,900 Land $67,900	$67,900 Land $67,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1699 Underwood Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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.

Wildfire

Wildfire risk around 1699 Underwood Ave is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

Nearby Properties on Underwood Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures