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2020 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2020 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,760 sqft · built 2014
Lot Size0.132 acres (5,749 sqft)
OwnerIndividual Name on Record
Last Sale$187,470 (Jan 2014)
Tax Bill$4,790 (2025)
Deeds & MortgagesNov 2023 Document
Flood ZoneZone X (minimal risk)
APN09-26-30-0082-0001-4200

Property Details

APN / Parcel Number

Primary APN09-26-30-0082-0001-4200
Alternative APNs
  • 263009008200014200
  • 158725

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,760 sqft Living Area
Gross Area2,290 sqft
1st Floor Area1,760 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,749 sqft (0.132 acres)
Lot Dimensions115 ft deep x 50 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area130 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2020 BANNER LN
CitySAINT CLOUD
StateFL
Zip34769-1817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionANTHEM PARK PHASE 3B PB 20 PG 90-93 LOT 420
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionANTHEM PARK PH 3B
Legal Phase3B
Legal Tract82
Legal Block4200
Legal Lot Number420
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1041
Census Tract43208

Owner

Source: Osceola County records, as of July 20, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address2020 BANNER LN, SAINT CLOUD, FL 34769-1817
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 31, 2014 · Amount on Record
Deed SaleJan 31, 2014 · Amount on Record
Deed Document Number201414133
Deed Book / Page4563 / 2955
Last Transfer DateNov 20, 2023
Transfer Doc0065080880
Record UpdatedSep 20, 2026

November 2023:

JurisdictionOSCEOLA FL
Recording DateNov 21, 2023
Property Address2020 BANNER LN, SAINT CLOUD, FL 34769-1817
Document Number0065080880
Book / Page6508 / 880
Map ReferenceMB 20 PG 90-93
Instrument DateNov 20, 2023
Instrument2023153075
Record UpdatedDec 7, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2020 BANNER LN, SAINT CLOUD, FL 34769-1817

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$4,790.00 (+4.86%)$187,118 (+5.99%)$299,400 (+1.05%) Land $70,000 Building $229,400
2023$4,568.00 (+3.35%) Homeowner's exemption$176,549 (+3%)$296,300 (+18.14%) Land $60,000 Building $236,300
2022$4,420.00 Homeowner's exemption$171,407$250,800 Land $55,000 Building $195,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% 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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