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2040 Remembrance Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2040 Remembrance Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,682 sqft · built 2015
Lot Size0.132 acres (5,750 sqft)
OwnerIndividual Name on File
Last Sale$238,155 (Aug 2015)
Tax Bill$6,792 (2025)
Deeds & MortgagesNov 2021 Mortgage
Jun 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN158820

Property Details

APN / Parcel Number

Primary APN158820
Alternative APN
  • 092630008200015150

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,682 sqft Heated Area
Gross Area3,373 sqft
1st Floor Area1,163 sqft
Upper Floors Area1,519 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,750 sqft (0.132 acres)
Lot Dimensions115 ft deep x 50 ft wide
Garage TypeFinished
Garage Area437 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area254 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number158820
Street Address2040 REMEMBRANCE AVE
CitySAINT CLOUD
StateFL
Zip34769-1808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionANTHEM PARK PHASE 3B PB 20 PG 90-93 LOT 515
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionANTHEM PARK
Legal Phase3B
Legal Tract82
Legal Block1
Legal Lot Number515
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1035
Census Tract43208

Owner

Source: Osceola County records · APN 158820

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2040 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jun 24, 2019Loan Modification, Mortgage · Conventional with PMI
PENNYMAC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 27, 2015 · Amount on Record
Deed SaleAug 27, 2015 · Amount on Record
Deed Document Number2015128496
Deed Book / Page4833 / 0911
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2040 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Transaction TypeMortgage
Record UpdatedDec 17, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808

Mortgage

Document Number0060950682
DateNov 29, 2021
Book Page6095/682
Instrument2021183426
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term332 Months
DueJul 01, 2049

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address2040 REMEMBRANCE AVE, SAINT CLOUD, FL 34769-1808
Document Number0055660634
Instrument DateJun 24, 2019
Transaction TypeMortgage
Record UpdatedAug 15, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 REMEMBRANCE AVE ST CLOUD FL 347691808, ST CLOUD, FL 34769-1808

Mortgage

Document Number0055660634
DateAug 01, 2019
Book Page005566/000634
Instrument99086
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 31, 2049
Interest
Rate4.62%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,792.00 (+8.43%) Homeowner's exemption$303,628 (+2.34%)$371,600 (+0.16%) Land $70,000 Building $301,600
2023$6,264.00 (+7.61%) Homeowner's exemption$296,673 (+12.34%)$371,000 (+18.8%) Land $60,000 Building $311,000
2022$5,821.00 Homeowner's exemption$264,085$312,300 Land $55,000 Building $257,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
incl. 6 condo units

Wildfire

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 469 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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