1930 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1930 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 2014
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Oct 2022)
Tax Bill	$6,928 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158736`

Property Details

APN / Parcel Number

Primary APN	`158736`
Alternative APN	`092630008200014310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,760 sqft Heated Area
Gross Area	2,290 sqft
1st Floor Area	1,760 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	130 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158736
Street Address	1930 BANNER LN
City	SAINT CLOUD
State	FL
Zip	34769-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PHASE 3B PB 20 PG 90-93 LOT 431
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK
Legal Phase	3B
Legal Tract	82
Legal Block	1
Legal Lot Number	431
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1930 BANNER LN, SAINT CLOUD, FL 34769-1811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Aug 9, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Aug 9, 2019 · Amount on Record
Deed Document Number	2022151467
Deed Book / Page	6298 / 1324
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2022
Property Address	1930 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0062981324
Book / Page	6298 / 1324
Map Reference	MB 20 PG 90-93
Instrument Date	Oct 11, 2022
Instrument	2022151467
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3509 HARLEQUIN DR, 3509, SAINT CLOUD, FL 34772-7774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 BANNER LN, SAINT CLOUD, FL 34769-1811

Mortgage

Document Number	0062981326
Date	Oct 12, 2022
Instrument	6298/1326

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2019
Property Address	1930 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0055710377
Book / Page	5571 / 0377
Map Reference	MB 30 PG 90-93
Instrument Date	Aug 1, 2019
Instrument	2019102988
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3318 CAT BRIER TRL, 3318, HARMONY, FL 34773-6029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 BANNER LN, SAINT CLOUD, FL 34769-1811

Mortgage

Document Number	0005571379
Date	Aug 9, 2019
Instrument	5571/379

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,928.00 (+1.85%) Homeowner's exemption	$306,600 (+2%) Land $70,000 Building $236,600	$306,600 (+2%) Land $70,000 Building $236,600
2023	$6,802.00 (+35.93%) Homeowner's exemption	$300,600 (+47.1%) Land $60,000 Building $240,600	$300,600 (+18.16%) Land $60,000 Building $240,600
2022	$5,004.00 Homeowner's exemption Disabled Person's exemption	$204,352	$254,400 Land $55,000 Building $199,400

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

Flood

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 Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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