1970 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1970 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,872 sqft · built 2014
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,986 (Feb 2014)
Tax Bill	$5,500 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0082-0001-4270`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0082-0001-4270`
Alternative APNs	`263009008200014270` `158732`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,872 sqft Living Area
Gross Area	3,558 sqft
1st Floor Area	1,688 sqft
Upper Floors Area	1,184 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
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	Finished/Open Porch
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1970 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 427
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3B
Legal Phase	3B
Legal Tract	82
Legal Block	4270
Legal Lot Number	427
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 November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	1970 BANNER LN, SAINT CLOUD, FL 34769-1811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2020	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 11, 2022	Intrafamily Transfer, Transfer
Nov 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CIS FIN'L SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2014 · Amount on Record
Deed Sale	Feb 12, 2014 · Amount on Record
Deed Document Number	201420108
Deed Book / Page	4568 / 2940
Last Transfer Date	Aug 5, 2022
Transfer Doc	0062672151
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1970 BANNER LN, SAINT CLOUD, FL 34769-1811
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056751582
Date	Feb 17, 2020
Book Page	5675/1582
Instrument	2020023374

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2022
Property Address	1970 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0062672151
Book / Page	6267 / 2151
Map Reference	MB 20 PG 90-93
Instrument Date	Aug 5, 2022
Instrument	2022123505
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1970 BANNER LN, 1970, SAINT CLOUD, FL 34769-1811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1970 BANNER LN, SAINT CLOUD, FL 34769-1811
Investor	Possibly a Property Investor

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1970 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0054422718
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1970 BANNER LN ST CLOUD FL 347691811, ST CLOUD, FL 34769-1811

Mortgage

Document Number	0054422718
Date	Dec 4, 2018
Book Page	005442/002718
Instrument	177332

Lender

Name	CIS FIN'L SVCS
Type	Funding / Finance Company
Address	HAMILTON, AL 35570

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

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	$5,500.00 (+1.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$241,825 (+5.99%)	$367,900 (+0.27%) Land $70,000 Building $297,900
2024	$5,438.00 (+4.02%)
2023	$5,228.00 (+0.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$228,166 (+3%)	$366,900 (+12.62%) Land $60,000 Building $306,900
2022	$5,215.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$221,521	$325,800 Land $55,000 Building $270,800

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	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Nearby Properties on Banner Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures