2031 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2031 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,508 sqft · built 2014
Lot Size	0.132 acres (5,749 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Aug 2020)
Tax Bill	$6,140 (2025)
Deeds & Mortgages	Dec 2021 Second Mortgage Sep 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0082-0001-4710`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0082-0001-4710`
Alternative APNs	`263009008200014710` `158776`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	3,020 sqft
1st Floor Area	1,034 sqft
Upper Floors Area	1,474 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	72 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2031 BANNER LN
City	SAINT CLOUD
State	FL
Zip	34769-1820
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 471
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3B
Legal Phase	3B
Legal Tract	82
Legal Block	4710
Legal Lot Number	471
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43208

Owner

Source: Osceola County records, as of March 6, 2026

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
Mailing Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Sep 25, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 10, 2018	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Document Number	2020101673
Deed Book / Page	5767 / 2185
Last Transfer Date	Aug 26, 2020
Transfer Doc	0058002154
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 1 BANNER LN, SAINT CLOUD, FL 34769

Mortgage

Document Number	0061021223
Date	Dec 7, 2021
Book Page	6102/1223
Instrument	2021188670

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2020
Property Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820
Document Number	0058002154
Book / Page	005800 / 002154
Instrument Date	Aug 26, 2020
Instrument	129259
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2031 BANNER LN ST CLOUD FL 347691820, ST CLOUD, FL 34769-1820

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2020
Property Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820
Document Number	0057672185
Book / Page	5767 / 2185
Map Reference	MB 20 PG 90-93
Instrument Date	Jul 28, 2020
Instrument	2020101673
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3245 DEW CT, 3245, KISSIMMEE, FL 34744-9444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820

Mortgage

Document Number	0057672187
Date	Aug 4, 2020
Instrument	5767/2187

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2018
Property Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820
Document Number	0054151443
Book / Page	5415 / 1443
Map Reference	MB20 PG90-93
Instrument Date	Sep 6, 2018
Instrument	2018152359
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount Recorded
Tax	$619.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 BANNER LN, SAINT CLOUD, FL 34769-1820

Mortgage

Document Number	2018152360
Date	Oct 10, 2018
Instrument	2018152360

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,140.00 (+1.24%) Homeowner's exemption	$262,550 (+5.99%)	$353,400 (+0.37%) Land $70,000 Building $283,400
2024	$6,065.00 (+3.68%)
2023	$5,850.00 (+3.27%) Homeowner's exemption	$247,720 (+3%)	$352,100 (+18.35%) Land $60,000 Building $292,100
2022	$5,665.00 Homeowner's exemption	$240,505	$297,500 Land $55,000 Building $242,500

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

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 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 Fixed Wireless	100 / 20

May also be available: CenturyLink.

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