2021 Remembrance Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2021 Remembrance Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,018 sqft · built 2014
Lot Size	0.166 acres (7,231 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Aug 2024)
Tax Bill	$12,173 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158860`

Property Details

APN / Parcel Number

Primary APN	`158860`
Alternative APN	`092630008200015550`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,018 sqft Heated Area
Gross Area	4,832 sqft
1st Floor Area	1,833 sqft
Upper Floors Area	2,185 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	7,231 sqft (0.166 acres)
Lot Dimensions	90 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	354 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	158860
Street Address	2021 REMEMBRANCE AVE
City	SAINT CLOUD
State	FL
Zip	34769-1830
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 555
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	555
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1008
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	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 1, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 4, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 11, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 9, 2024 · Amount on Record
Deed Sale	Aug 9, 2024 · Amount on Record
Prior Sale	Dec 15, 2022 · Amount on Record
Deed Document Number	2024104030
Deed Book / Page	6647 / 2613
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2022
Property Address	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830
Document Number	0063292721
Book / Page	6329 / 2721
Map Reference	MB 20 PG 90-93
Instrument Date	Dec 12, 2022
Instrument	2022179223
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3824 LOVINGTON DR, SAINT CLOUD, FL 34772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830

Mortgage

Document Number	0063292723
Date	Dec 15, 2022
Instrument	6329/2723

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051862606
Date	Aug 1, 2017
Book Page	5186/2606
Instrument	2017110340

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830

Mortgage

Document Number	0059041991
Date	Mar 4, 2021
Book Page	5904/1991
Instrument	2021032372

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2021 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1830
Document Number	0053671894
Instrument Date	Jun 11, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 REMEMBRANCE AVE ST CLOUD FL 347691830, ST CLOUD, FL 34769-1830

Mortgage

Document Number	0053671894
Date	Jul 16, 2018
Book Page	005367/001894
Instrument	108278

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 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	$12,173.00 (+6.67%)	$482,500 (-0.52%) Land $70,000 Building $412,500	$482,500 (-0.52%) Land $70,000 Building $412,500
2023	$11,412.00 (+51.47%) Homeowner's exemption	$485,000 (+76.59%) Land $60,000 Building $425,000	$485,000 (+12.66%) Land $60,000 Building $425,000
2022	$7,534.00 Homeowner's exemption	$274,655	$430,500 Land $55,000 Building $375,500

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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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.

Nearby Properties on Remembrance Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures