Osceola County property record for 198 Polermo Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2022 |
| Square Footage | 2,020 sqft Heated Area |
| Lot Size | 6,098 sqft (0.139 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $348,100 (2022) |
| Tax Bill | $5,557.00 (2025) |
| Primary APN | 212531497800010280 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,020 sqft Heated Area |
| Gross Area | 2,668 sqft Gross Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished Garage |
| Fence | Fence |
| Porch | Open Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 198 POLERMO AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9430 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 28 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Tract | 4978 |
| Legal Lot Number | 28 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1061 |
| Census Tract | 43700 |
Source: Osceola County records · APN 212531497800010280
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 |
|---|---|
| Mailing Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NONE LISTED ON DOCUMENT |
| Apr 08, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PLANET HOME LENDING LLC |
| Feb 16, 2022 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 16, 2022 · Amount on Record |
| Deed Sale | Feb 16, 2022 · Amount on Record |
| Deed Doc Number | 2022026222 |
| Deed Book / Page | 6152 / 480 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2026 |
| Property Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0000097830 |
| Book / Page | 7010 / 301 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202697830 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0000097830, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 7010/301 |
| Instrument | 202697830 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 308 Months |
| Due | Mar 01, 2052 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0067680555 |
|---|---|
| Date | Apr 08, 2025 |
| Book Page | 6768/555 |
| Instrument | 2025044378 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Mar 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 16, 2022 |
| Property Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0061520480 |
| Book / Page | 6152 / 480 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | Feb 14, 2022 |
| Instrument | 2022026222 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,436.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 198 POLERMO AVE, SAINT CLOUD, FL 34771-9430 |
| Document Number | 0006152482 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 6152/482 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,557.00 (+5.17%) | $349,700 (+4.73%) Land $75,000 Building $274,700 | $349,700 (+4.73%) Land $75,000 Building $274,700 |
| 2023 | $5,284.00 (+273.69%) | $333,900 (+456.5%) Land $70,000 Building $263,900 | $333,900 (+456.5%) Land $70,000 Building $263,900 |
| 2022 | $1,414.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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