1991 Continental St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1991 Continental St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,508 sqft · built 2013
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Mar 2019)
Tax Bill	$5,812 (2025)
Deeds & Mortgages	Dec 2025 Transfer Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0081-0001-3640`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0081-0001-3640`
Alternative APNs	`263009008100013640` `158652`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	1,034 sqft
Upper Floors Area	1,474 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	L-Shape
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	72 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1991 CONTINENTAL ST
City	SAINT CLOUD
State	FL
Zip	34769-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANTHEM PARK PH 3A PB 20 PG 86-89 LOT 364
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3A
Legal Phase	3A
Legal Block	1
Legal Lot Number	364
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43208

Owner

1991 Continental St is owned and occupied by two individuals who acquired it in December 2025.

Source: Osceola County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Dec 19, 2025	Intrafamily Transfer, Transfer
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 22, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 6, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN NATIONWIDE MORTGAGE COMPAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2019 · Amount on File
Deed Sale	Mar 6, 2019 · Amount on File
Prior Sale	Sep 17, 2013 · Amount on File
Deed Document Number	201928926
Deed Book / Page	5487 / 1864
Last Transfer Date	Dec 18, 2025
Transfer Doc	0068961171
Record Updated	Jun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 19, 2025
Property Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804
Document Number	0068961171
Book / Page	6896 / 1171
Map Reference	MB 20 PG 86-89
Instrument Date	Dec 18, 2025
Instrument	2025155160
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804

Mortgage

Document Number	0060842259
Date	Nov 10, 2021
Book Page	6084/2259
Instrument	2021175612

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	90321

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	329 Months
Due	Apr 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804

Mortgage

Document Number	0059170554
Date	Mar 22, 2021
Book Page	5917/554
Instrument	2021041964

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	ALPAUGH, CA 93201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Apr 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 6, 2019
Property Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804
Document Number	0054871864
Book / Page	5487 / 1864
Map Reference	MB 20 PG 86-89
Instrument Date	Mar 5, 2019
Instrument	2019028926
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1991 CONTINENTAL ST, 1991, SAINT CLOUD, FL 34769-1804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1991 CONTINENTAL ST, SAINT CLOUD, FL 34769-1804

Mortgage

Document Number	2019028927
Date	Mar 6, 2019
Instrument	2019028927

Lender

Name	AMERICAN NATIONWIDE MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1991 Continental St was $5,812 with a homeowner's exemption, up 1.1% from the year before.

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	$5,812.00 (+1.13%) Homeowner's exemption	$244,218	$345,400 Land $70,000 Building $275,400
2024	$5,747.00 (+3.77%)
2023	$5,538.00 (+3.28%) Homeowner's exemption	$230,424 (+3%)	$344,200 (+18.49%) Land $60,000 Building $284,200
2022	$5,362.00 Homeowner's exemption	$223,713	$290,500 Land $55,000 Building $235,500

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

Flood

FEMA maps place 1991 Continental St 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1991 Continental St 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 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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