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1984 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1984 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,201 sqft · built 2014
Lot Size0.132 acres (5,750 sqft)
OwnerIndividual Name on File
Last Sale$209,990 (Jul 2014)
Tax Bill$5,509 (2025)
Deeds & MortgagesOct 2023 Transfer
Flood ZoneZone X (minimal risk)
APN158730

Property Details

APN / Parcel Number

Primary APN158730
Alternative APN
  • 092630008200014250

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,201 sqft Heated Area
Gross Area2,807 sqft
1st Floor Area2,201 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,750 sqft (0.132 acres)
Lot Dimensions115 ft deep x 50 ft wide
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area165 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number158730
Street Address1984 BANNER LN
CitySAINT CLOUD
StateFL
Zip34769-1811
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionANTHEM PARK PHASE 3B PB 20 PG 90-93 LOT 425
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionANTHEM PARK
Legal Phase3B
Legal Tract82
Legal Block1
Legal Lot Number425
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1041
Census Tract43208

Owner

1984 Banner Ln is owned and occupied by an individual who acquired it in October 2023.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address1984 BANNER LN, SAINT CLOUD, FL 34769-1811
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 16, 2014 · Amount on File
Deed SaleJul 16, 2014 · Amount on File
Prior SaleJul 16, 2014 · Amount on File
Deed Document Number0046370301
Deed Book / Page004637 / 000301
Last Transfer DateOct 6, 2023
Transfer Doc0064861656
Record UpdatedJun 8, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 6, 2023
Property Address1984 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number0064861656
Book / Page6486 / 1656
Map ReferenceMB 20 PG 90-93
Instrument DateSep 27, 2023
Instrument2023132489
Transaction TypeTransfer
Record UpdatedOct 27, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1984 BANNER LN, SAINT CLOUD, FL 34769-1811

Transferred To (Grantee/Buyer)

NameVerified Name
Address1984 BANNER LN, SAINT CLOUD, FL 34769-1811

Tax Assessment & Valuation

The 2025 property tax bill for 1984 Banner Ln was $5,509 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,509.00 Homeowner's exemption$227,325$337,300 Land $70,000 Building $267,300
2023$5,251.00 (+3.31%) Homeowner's exemption$214,485 (+3%)$335,600 (+18.42%) Land $60,000 Building $275,600
2022$5,083.00 Homeowner's exemption$208,238$283,400 Land $55,000 Building $228,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1984 Banner Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 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

Wildfire risk around 1984 Banner Ln is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 58% of the US · lower than 68% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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