2020 Remembrance Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2020 Remembrance Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,679 sqft · built 2014
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$362,000 (Jul 2021)
Tax Bill	$7,842 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158822`

Property Details

APN / Parcel Number

Primary APN	`158822`
Alternative APN	`092630008200015170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,679 sqft Heated Area
Gross Area	3,170 sqft
1st Floor Area	1,163 sqft
Upper Floors Area	1,735 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	309 sqft
Porch	Open Porch
Porch Area	54 sqft
Deck Area	1,000 sqft
Patio Area	32 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158822
Street Address	2020 REMEMBRANCE AVE
City	SAINT CLOUD
State	FL
Zip	34769-1808
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 517
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK
Legal Phase	3B
Legal Tract	82
Legal Block	1
Legal Lot Number	517
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1035
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 12, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 7, 2018	Deed of Trust, Mortgage · Line of Credit JUSTICE FEDERAL CREDIT UNION
Nov 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Nov 25, 2014 · Amount on Record
Deed Document Number	2021107355
Deed Book / Page	5999 / 1228
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Transaction Type	Mortgage
Record Updated	Jan 23, 2023
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808

Mortgage

Document Number	0063400342
Date	Jan 4, 2023
Book Page	6340/342
Instrument	2023001126

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 12, 2021
Property Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Document Number	0059991228
Book / Page	5999 / 1228
Map Reference	MB 20 PG 90-93
Instrument Date	Jul 9, 2021
Instrument	2021107355
Transaction Type	Transfer
Record Updated	Jul 23, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,534.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	227 POLERMO AVE, 227, SAINT CLOUD, FL 34771-9433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808

Mortgage

Document Number	59991229
Date	Jul 12, 2021
Instrument	5999/1229

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054300933
Date	Nov 7, 2018
Book Page	5430/0933
Instrument	2018165520

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054300920
Date	Nov 7, 2018
Book Page	5430/0920
Instrument	2018165519

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$7,842.00 (+5.04%) Homeowner's exemption	$357,628 (+5.99%)	$386,800 (+0.81%) Land $70,000 Building $316,800
2023	$7,466.00 (+3.21%) Homeowner's exemption	$337,428 (+3%)	$383,700 (+17.12%) Land $60,000 Building $323,700
2022	$7,234.00 Homeowner's exemption	$327,600 Land $55,000 Building $272,600	$327,600 Land $55,000 Building $272,600

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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

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