2020 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2020 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,768 sqft · built 2017
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$467,585 (Jul 2017)
Tax Bill	$6,555 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`172531537400010170`

Property Details

APN / Parcel Number

Primary APN	`172531537400010170`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,768 sqft Heated Area
Gross Area	5,908 sqft
1st Floor Area	2,183 sqft
Upper Floors Area	2,585 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.369 acres)
Garage Type	Finished
Garage Area	930 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Open Porch
Porch Area	210 sqft
Deck Area	788 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2020 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNDERWOOD ESTATES PB 24 PG 1-4 LOT 17
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	UNDERWOOD ESTATES
Legal Tract	5374
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 27, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 24, 2018	Deed of Trust, Mortgage UNITED STATES SENATE FCU
Jul 5, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2017 · Amount on Record
Deed Sale	Jul 5, 2017 · Amount on Record
Prior Sale	Dec 14, 2015 · Amount on Record
Deed Document Number	2017097302
Deed Book / Page	5173 / 2738
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777

Mortgage

Document Number	0058760817
Date	Jan 25, 2021
Book Page	5876/817
Instrument	2021010571

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777

Mortgage

Document Number	0062221655
Date	May 27, 2022
Book Page	6222/1655
Instrument	2022084028

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052741141
Date	Jan 24, 2018
Book Page	5274/1141
Instrument	2018012823

Lender

Name	UNITED STATES SENATE FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Dec 27, 2027

July 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 5, 2017
Property Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Document Number	0051732738
Book / Page	5173 / 2738
Map Reference	MB24 PG1
Instrument Date	Jun 16, 2017
Instrument	2017097302
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	FIDELITY NATL TITLE FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,273.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777

Mortgage

Document Number	0051732740
Date	Jul 5, 2017
Instrument	5173/2740

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,555.00 (+6.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$467,576 (+5.99%)	$554,400 (+2.1%) Land $75,000 Building $479,400
2023	$6,152.00 (+3.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$441,165 (+3%)	$543,000 (+15.26%) Land $75,000 Building $468,000
2022	$5,931.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$428,316	$471,100 Land $65,000 Building $406,100

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 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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