Osceola County property record for 186 Polermo Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2021 |
| Square Footage | 1,990 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $314,800 (2021) |
| Tax Bill | $3,944.00 (2025) |
| Primary APN | 212531497800010310 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,990 sqft Heated Area |
| Gross Area | 2,732 sqft Gross Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 7,405 sqft (0.169 acres) |
| Garage Type | Finished Garage |
| Fence | Fence |
| Porch | Open Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 186 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 31 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Tract | 4978 |
| Legal Lot Number | 31 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1061 |
| Census Tract | 43700 |
Source: Osceola County records · APN 212531497800010310
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 | 186 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 03, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage NAVY FCU |
| May 28, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on Record |
| Deed Sale | May 28, 2021 · Amount on Record |
| Deed Doc Number | 2021083815 |
| Deed Book / Page | 5969 / 1114 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 186 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 186 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0066580411 |
|---|---|
| Date | Sep 03, 2024 |
| Book Page | 6658/411 |
| Instrument | 2024112684 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2039 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 28, 2021 |
| Property Address | 186 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0059691114 |
| Book / Page | 5969 / 1114 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | May 24, 2021 |
| Instrument | 2021083815 |
| 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 | $2,203.60 |
| 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 | 186 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0059691116 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 5969/1116 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,944.00 (+7.38%) Homeowner's exemption | $274,130 (+5.99%) | $349,900 (+4.82%) Land $75,000 Building $274,900 |
| 2023 | $3,673.00 (+5.79%) Homeowner's exemption | $258,646 (+4.58%) | $333,800 (+22.99%) Land $70,000 Building $263,800 |
| 2022 | $3,472.00 Homeowner's exemption | $247,327 | $271,400 Land $60,000 Building $211,400 |
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 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.
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