Osceola County property record for 2020 Crystal Ln, Saint Cloud, FL 34769
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 2005 |
| Lot Size | 0.176 acres (7,666 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Oct 2021) |
| Tax Bill | $2,155 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-26-30-0617-0001-0740 |
| Primary APN | 11-26-30-0617-0001-0740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,666 sqft (0.176 acres) |
| Garage Type | Carport |
| Garage Area | 390 sqft |
| Carport | Carport |
| Carport Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2020 CRYSTAL LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5084 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | SMH2 |
| Legal Description | KANUGA VILLAGE M H PARK PHASE 3 LOT 74 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 11 |
| Legal Subdivision | KANUGA VLG MOBILE HOME PARK PH 3 |
| Legal Phase | 3 |
| Legal Tract | 617 |
| Legal Block | 740 |
| Legal Lot Number | 74 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 43303 |
Source: Osceola County records · APN 11-26-30-0617-0001-0740
Assessment roll updated November 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 08, 2025 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Oct 12, 2021 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Mar 01, 2021 | Correction Deed ATTORNEY ONLY, ATTORNEY |
| Jan 20, 2021 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 12, 2021 · Amount on Record |
| Deed Sale | Oct 12, 2021 · Amount on Record |
| Prior Sale | Mar 01, 2021 · Amount on Record |
| Deed Document Number | 2021158375 |
| Deed Book / Page | 6063 / 1156 |
| Prior Transfer Date | Feb 25, 2021 |
| Prior Transfer Doc | 0059002417 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Document Number | 0068461095 |
|---|---|
| Date | Sep 08, 2025 |
| Book Page | 6846/1095 |
| Instrument | 2025111555 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 314 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 12, 2021 |
| Property Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Document Number | 0060631156 |
| Book / Page | 6063 / 1156 |
| Map Reference | MB 4 PG 113 |
| Instrument Date | Oct 08, 2021 |
| Instrument | 2021158375 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Title Company | DOWNTOWN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2948 CIALELLA PASS, 2948, SAINT CLOUD, FL 34772-8873 |
| Name | Verified Name |
|---|---|
| Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Investor | Possibly a Property Investor |
| Document Number | 60631157 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 6063/1157 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 01, 2021 |
| Property Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Document Number | 0059002417 |
| Book / Page | 5900 / 2417 |
| Map Reference | MB 4 PG 113 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021029351 |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2948 CIALELLA PASS, SAINT CLOUD, FL 34772-8873 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2021 |
| Property Address | 2020 CRYSTAL LN, SAINT CLOUD, FL 34769-5084 |
| Document Number | 0058732321 |
| Book / Page | 5873 / 2321 |
| Map Reference | MB 4 PG 113 |
| Instrument Date | Jan 20, 2021 |
| Instrument | 2021008575 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $973.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2948 CIALELLA PASS, SAINT CLOUD, FL 34772-8873 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,155.00 (+3.76%) Homeowner's exemption | $163,312 (+5.99%) | $204,500 (+0.25%) Land $50,000 Building $154,500 |
| 2024 | $2,077.00 (+3.03%) | ||
| 2023 | $2,016.00 (+4.13%) Homeowner's exemption | $154,088 (+3%) | $204,000 (+36.36%) Land $35,000 Building $169,000 |
| 2022 | $1,936.00 Homeowner's exemption | $149,600 Land $26,000 Building $123,600 | $149,600 Land $26,000 Building $123,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 in force |
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Lumen Technologies, Xfinity.
Based on FCC filings for 205 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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