2031 Continental St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2031 Continental St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,201 sqft · built 2013
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Tax Bill	$4,835 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158657`

Property Details

APN / Parcel Number

Primary APN	`158657`
Alternative APN	`092630008100013690`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,201 sqft Heated Area
Gross Area	2,807 sqft
1st Floor Area	2,201 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158657
Street Address	2031 CONTINENTAL ST
City	SAINT CLOUD
State	FL
Zip	34769-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PH 3A PB 20 PG 86-89 LOT 369
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK
Legal Phase	3A
Legal Tract	81
Legal Block	1
Legal Lot Number	369
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43208

Owner

2031 Continental St is owned and occupied by an individual who acquired it in June 2014.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	2031 CONTINENTAL ST, SAINT CLOUD, FL 34769-1805
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2014
Deed Sale	Jun 27, 2014
Deed Document Number	0004639596
Deed Book / Page	4555 / 1952
Prior Transfer Date	Jan 13, 2014
Prior Transfer Doc	2014005255
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2031 CONTINENTAL ST, SAINT CLOUD, FL 34769-1805
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 CONTINENTAL ST, SAINT CLOUD, FL 34769-1805

Mortgage

Document Number	0068970247
Date	Dec 22, 2025
Book Page	6897/247
Instrument	2025155803

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2031 CONTINENTAL ST, SAINT CLOUD, FL 34769-1805
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 CONTINENTAL ST, SAINT CLOUD, FL 34769-1805

Mortgage

Document Number	0060670050
Date	Oct 18, 2021
Book Page	6067/50
Instrument	2021161679

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2031 CONTINENTAL ST, SAINT CLOUD, FL 34769-1805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056400313
Date	Dec 13, 2019
Book Page	5640/0313
Instrument	2019161704

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	35821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 12, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2031 Continental St was $4,835 with a homeowner's exemption.

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	$4,835.00 Homeowner's exemption	$189,644	$336,200 Land $70,000 Building $266,200
2023	$4,611.00 (+3.36%) Homeowner's exemption	$178,933 (+3%)	$334,500 (+18.45%) Land $60,000 Building $274,500
2022	$4,461.00 Homeowner's exemption	$173,722	$282,400 Land $55,000 Building $227,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2031 Continental St in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 2031 Continental St is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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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