1951 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1951 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 2014
Lot Size	0.132 acres (5,749 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jul 2021)
Tax Bill	$7,805 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0082-0001-4610`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0082-0001-4610`
Alternative APNs	`263009008200014610` `158766`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,533 sqft
1st Floor Area	1,875 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1951 BANNER LN
City	SAINT CLOUD
State	FL
Zip	34769-1819
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 461
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3B
Legal Phase	3B
Legal Tract	82
Legal Block	4610
Legal Lot Number	461
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 April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage GOLDMAN SACHS MORTGAGE COMPANY
Jan 13, 2022	Intrafamily Transfer, Transfer SELENE TITLE LLC
Jul 15, 2021	Warranty Deed, Transfer SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC
May 26, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 5, 2016	Loan Modification, Mortgage · Conventional with PMI NATIONSTAR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	May 15, 2014 · Amount on Record
Deed Document Number	2021109624
Deed Book / Page	6002 / 1683
Last Transfer Date	Dec 30, 2021
Transfer Doc	0061290856
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1951 BANNER LN, SAINT CLOUD, FL 34769-1819
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	SELENE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061390734
Date	Jan 28, 2022
Book Page	6139/734
Instrument	2022015662

Lender

Name	GOLDMAN SACHS MORTGAGE COMPANY
Type	Mortgage Company
Address	NEW YORK, NY 10282

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2022
Property Address	1951 BANNER LN, SAINT CLOUD, FL 34769-1819
Document Number	0061290856
Book / Page	6129 / 856
Map Reference	MB 20 PG 90-93
Instrument Date	Dec 30, 2021
Instrument	2022007600
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2021
Property Address	1951 BANNER LN, SAINT CLOUD, FL 34769-1819
Document Number	0060021683
Book / Page	6002 / 1683
Map Reference	MB 20 PG 90-93
Instrument Date	Jul 13, 2021
Instrument	2021109624
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14151 WARD RD, 14151, ORLANDO, FL 32824-8992

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2021
Property Address	1951 BANNER LN, SAINT CLOUD, FL 34769-1819
Document Number	0059670378
Book / Page	5967 / 378
Map Reference	MB 20 PG 90-93
Instrument Date	Sep 20, 2018
Instrument	2021081873
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1951 BANNER LN, 1951, SAINT CLOUD, FL 34769-1819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 MIRANDA LN, KISSIMMEE, FL 34741-0769

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1951 BANNER LN, SAINT CLOUD, FL 34769-1819
Document Number	0050901377
Book / Page	005090 / 001377
Instrument Date	Dec 5, 2016
Transaction Type	Mortgage
Record Updated	Feb 10, 2017
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1951 BANNER LN ST CLOUD FL 347691819, ST CLOUD, FL 34769-1819

Mortgage

Document Number	0050901377
Date	Jan 24, 2017
Book Page	005090/001377
Instrument	12880

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Jan 23, 2044

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,805.00 (-1.97%)	$312,500 (+0.84%) Land $70,000 Building $242,500	$312,500 (+0.84%) Land $70,000 Building $242,500
2024	$7,962.00 (+6.63%)
2023	$7,467.00 (+9.44%)	$309,900 (+18.1%) Land $60,000 Building $249,900	$309,900 (+18.1%) Land $60,000 Building $249,900
2022	$6,823.00	$262,400 Land $55,000 Building $207,400	$262,400 Land $55,000 Building $207,400

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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