1990 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1990 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,956 sqft · built 2013
Lot Size	0.132 acres (5,749 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Feb 2025)
Tax Bill	$5,321 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0082-0001-4240`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0082-0001-4240`
Alternative APNs	`263009008200014240` `158729`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,956 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	1,956 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
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	198 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1990 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 424
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3B
Legal Phase	3B
Legal Tract	82
Legal Block	4240
Legal Lot Number	424
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 June 15, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Quit Claim Deed, Transfer · Conventional Mortgage BEEHIVE TITLE, BEELINE TITLE
Jun 8, 2026	Quit Claim Deed, Transfer · Conventional Mortgage BEEHIVE TITLE, BEELINE TITLE
Aug 10, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2025 · Amount on Record
Deed Sale	Feb 10, 2025 · Amount on Record
Prior Sale	Aug 10, 2018 · Amount on Record
Deed Document Number	202517049
Deed Book / Page	6737 / 2622
Last Transfer Date	May 30, 2026
Transfer Doc	0069840371
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0069840371
Book / Page	6984 / 371
Instrument Date	May 30, 2026
Instrument	202674749
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	BEEHIVE TITLE, BEELINE TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811

Mortgage

Document Number	0000074750,
Date	Jun 8, 2026
Instrument	202674750

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0000074749
Book / Page	6984 / 371
Instrument Date	May 30, 2026
Instrument	202674749
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	BEEHIVE TITLE, BEELINE TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811

Mortgage

Document Number	0000074750,
Date	Jun 8, 2026
Instrument	202674750

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2018
Property Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0053822531
Book / Page	5382 / 2531
Map Reference	MB20 PG90-93
Instrument Date	Jun 7, 2018
Instrument	2018122214
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EQUITABLE TITLE OF CELEBRATI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,659.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1990 BANNER LN, SAINT CLOUD, FL 34769-1811

Mortgage

Document Number	2018122216
Date	Aug 10, 2018
Instrument	2018122216

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2048

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	$5,321.00 (+4.89%)	$216,827 (+5.99%)	$319,200 (+0.63%) Land $70,000 Building $249,200
2023	$5,073.00 (+3.32%) Homeowner's exemption	$204,580 (+3%)	$317,200 (+18.23%) Land $60,000 Building $257,200
2022	$4,910.00 Homeowner's exemption	$198,622	$268,300 Land $55,000 Building $213,300

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.

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