1994 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1994 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 2013
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,125 (Aug 2022)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0082-0001-4230`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0082-0001-4230`
Alternative APNs	`263009008200014230` `158728`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,875 sqft Living Area
Gross Area	2,345 sqft
1st Floor Area	1,875 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1994 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 423
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3B
Legal Phase	3B
Legal Tract	82
Legal Block	4230
Legal Lot Number	423
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 July 22, 2026

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	1994 BANNER LN, SAINT CLOUD, FL 34769-1811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Aug 2, 2022	Warranty Deed, Transfer INFINITY TITLE GROUP
Jan 29, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 20, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Aug 2, 2022 · Amount on Record
Deed Document Number	2022127195
Deed Book / Page	6271 / 1511
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2022
Property Address	1994 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0062711511
Book / Page	6271 / 1511
Map Reference	MB 20 PG 90-93
Instrument Date	Aug 8, 2022
Instrument	2022127195
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,696.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41050 W 11 MILE RD STE 220, 41050, NOVI, MI 48375-1982

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1994 BANNER LN, SAINT CLOUD, FL 34769-1811

Mortgage

Document Number	0062711513
Date	Aug 18, 2022
Instrument	6271/1513

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2022
Property Address	1994 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0062612093
Book / Page	6261 / 2093
Map Reference	MB 20 PG 90-93
Instrument Date	Jul 28, 2022
Instrument	2022118044
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	994 BANNER LANE, 994, SAINT CLOUD, FL 34769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41050 W 11 MILE RD STE 220, 220, NOVI, MI 48375-1982
Investor	Possibly a Property Investor

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1994 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0057250302
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1994 BANNER LN ST CLOUD FL 347691811, ST CLOUD, FL 34769-1811

Mortgage

Document Number	0057250302
Date	May 20, 2020
Book Page	005725/000302
Instrument	66375

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

Interest

Rate	3.62%

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1994 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0051821526
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1994 BANNER LN ST CLOUD FL 347691811, ST CLOUD, FL 34769-1811

Mortgage

Document Number	0051821526
Date	Jul 21, 2017
Book Page	005182/001526
Instrument	106064

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1994 BANNER LN, SAINT CLOUD, FL 34769-1811
Document Number	0051741579
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1994 BANNER LN ST CLOUD FL 347691811, ST CLOUD, FL 34769-1811

Mortgage

Document Number	0051741579
Date	Jul 5, 2017
Book Page	005174/001579
Instrument	97794

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2047

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	$2,212.00 (-2.56%) Homeowner's exemption Veteran's exemption	$312,600 (+2.42%) Land $70,000 Building $242,600	$312,600 (+2.42%) Land $70,000 Building $242,600
2024	$2,270.00 (+5.53%)
2023	$2,151.00 (-49.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$305,200 (+89.1%) Land $60,000 Building $245,200	$305,200 (+18.16%) Land $60,000 Building $245,200
2022	$4,239.00 Homeowner's exemption	$161,396	$258,300 Land $55,000 Building $203,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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