2040 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2040 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,872 sqft · built 2013
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Oct 2020)
Tax Bill	$5,874 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158723`

Property Details

APN / Parcel Number

Primary APN	`158723`
Alternative APN	`092630008200014180`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,872 sqft Heated Area
Gross Area	3,558 sqft
1st Floor Area	1,688 sqft
Upper Floors Area	1,184 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158723
Street Address	2040 BANNER LN
City	SAINT CLOUD
State	FL
Zip	34769-1817
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 418
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	418
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 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	2040 BANNER LN, SAINT CLOUD, FL 34769-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage GREAT WESTERN FINANCIAL SERVICES IN
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2020 · Amount on Record
Deed Sale	Oct 20, 2020 · Amount on Record
Prior Sale	May 1, 2018 · Amount on Record
Deed Document Number	2020141792
Deed Book / Page	5816 / 921
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 20, 2020
Property Address	2040 BANNER LN, SAINT CLOUD, FL 34769-1817
Document Number	0058160921
Book / Page	5816 / 921
Map Reference	MB 20 PG 90-93
Instrument Date	Oct 14, 2020
Instrument	2020141792
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10406 FAIRY MOSS LN, 10406, RIVERVIEW, FL 33578-4841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 BANNER LN, SAINT CLOUD, FL 34769-1817

Mortgage

Document Number	0005816923
Date	Oct 20, 2020
Instrument	5816/923

Lender

Name	GREAT WESTERN FINANCIAL SERVICES IN
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2018
Property Address	2040 BANNER LN, SAINT CLOUD, FL 34769-1817
Document Number	0053260319
Book / Page	5326 / 0319
Map Reference	MB20 PG90-93
Instrument Date	Apr 30, 2018
Instrument	2018069283
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TITLE OF FLORI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	FL 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 BANNER LN, SAINT CLOUD, FL 34769-1817

Mortgage

Document Number	2018069284
Date	May 1, 2018
Instrument	2018069284

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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	$5,874.00 (+4.93%) Homeowner's exemption	$247,708 (+5.99%)	$364,900 (+0.19%) Land $70,000 Building $294,900
2023	$5,598.00 (+3.28%) Homeowner's exemption	$233,716 (+3%)	$364,200 (+12.69%) Land $60,000 Building $304,200
2022	$5,420.00 Homeowner's exemption	$226,909	$323,200 Land $55,000 Building $268,200

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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