195 Polermo Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 195 Polermo Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,222 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$332,800 (Mar 2021)
Tax Bill	$4,311 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212531497800011470`

Property Details

APN / Parcel Number

Primary APN	`212531497800011470`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Building Area	2,222 sqft Heated Area
Gross Area	2,906 sqft Gross Area
Stories	2 Stories
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	195 POLERMO AVE
City	SAINT CLOUD
State	FL
Zip	34771-9433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 147
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	SIENA RESERVE
Legal Phase	2A
Legal Tract	4978
Legal Lot Number	147
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1061
Census Tract	43700

Owner

Source: Osceola County records · APN 212531497800011470

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	195 POLERMO AVE, SAINT CLOUD, FL 34771-9433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 16, 2021 · Amount on Record
Deed Sale	Mar 16, 2021 · Amount on Record
Deed Document Number	2021039273
Deed Book / Page	5913 / 1681
Record Updated	Jun 08, 2026

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2021
Property Address	195 POLERMO AVE, SAINT CLOUD, FL 34771-9433
Document Number	0059131681
Book / Page	5913 / 1681
Map Reference	MB 29 PG 42-47
Instrument Date	Mar 12, 2021
Instrument	2021039273
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	$2,329.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

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 Tenants with Right of Survivorship
Address	195 POLERMO AVE, SAINT CLOUD, FL 34771-9433
Investor	Possibly a Property Investor

Mortgage

Document Number	0059131683
Date	Mar 16, 2021
Instrument	5913/1683

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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	$4,311.00 (+7.19%) Homeowner's exemption	$300,643 (+5.99%)	$350,500 (+4.88%) Land $75,000 Building $275,500
2023	$4,022.00 (+4.09%) Homeowner's exemption	$283,662 (+3%)	$334,200 (+21.35%) Land $70,000 Building $264,200
2022	$3,864.00 Homeowner's exemption	$275,400 Land $60,000 Building $215,400	$275,400 Land $60,000 Building $215,400

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.