1941 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1941 Banner Ln, Saint Cloud, FL 34769 · Last verified December 2025

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 File
Last Sale	$369,000 (Apr 2023)
Tax Bill	$7,675 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158765`

Property Details

APN / Parcel Number

Primary APN	`158765`
Alternative APN	`092630008200014600`

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	158765
Street Address	1941 BANNER LN
City	SAINT CLOUD
State	FL
Zip	34769-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANTHEM PARK PHASE 3B PB 20 PG 90-93 LOT 460
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	460
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43208

Owner

Source: Osceola County records · APN 158765

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	1941 BANNER LN, SAINT CLOUD, FL 34769-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 18, 2022	Deed of Trust, Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC
Sep 25, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 04, 2023 · Amount on Record
Deed Sale	Apr 04, 2023 · Amount on Record
Prior Sale	May 15, 2014 · Amount on Record
Deed Document Number	2023037993
Deed Book / Page	6381 / 2119
Record Updated	Jun 08, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 04, 2023
Property Address	1941 BANNER LN, SAINT CLOUD, FL 34769-1819
Document Number	0063812119
Book / Page	6381 / 2119
Map Reference	MB 20 PG 90
Instrument Date	Mar 31, 2023
Instrument	2023037993
Transaction Type	Transfer
Record Updated	Apr 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,583.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 LAKE LILY DR DRB 363, 363, MAITLAND, FL 32751-7603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1941 BANNER LN, SAINT CLOUD, FL 34769-1819

Mortgage

Document Number	0063812122
Date	Apr 04, 2023
Instrument	6381/2122

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1941 BANNER LN, SAINT CLOUD, FL 34769-1819
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1941 BANNER LN, SAINT CLOUD, FL 34769-1819

Mortgage

Document Number	0062521652
Date	Jul 18, 2022
Book Page	6252/1652
Instrument	2022109866

Lender

Name	RUSHMORE LOAN MANAGEMENT SERVICES LLC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Amount	Amount Recorded
Term	316 Months
Due	Nov 01, 2048

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1941 BANNER LN, SAINT CLOUD, FL 34769-1819
Document Number	0054212674
Instrument Date	Sep 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 02, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1941 BANNER LN ST CLOUD FL 347691819, ST CLOUD, FL 34769-1819

Mortgage

Document Number	0054212674
Date	Oct 24, 2018
Book Page	005421/002674
Instrument	158509

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate	4.25%

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
Municipality	St. Cloud City
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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,675.00 (+66.13%)	$305,200 (+70.11%) Land $70,000 Building $235,200	$305,200 (+0.93%) Land $70,000 Building $235,200
2023	$4,620.00 (+3.36%) Homeowner's exemption	$179,410 (+3%)	$302,400 (+19.67%) Land $60,000 Building $242,400
2022	$4,470.00 Homeowner's exemption	$174,185	$252,700 Land $55,000 Building $197,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 469 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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