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2040 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2040 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details6 bd · 5 ba · 5,296 sqft · built 2017
Lot Size0.369 acres (16,117 sqft)
OwnerIndividual Name on File
Last Sale$468,200 (May 2017)
Tax Bill$712 (2025)
Deeds & MortgagesSep 2020 Mortgage
May 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN172531537400010180

Property Details

APN / Parcel Number

Primary APN172531537400010180

Interior

Bedrooms6 Beds
Full Baths5 Baths
Stories2 Stories
Building Area5,296 sqft Heated Area
Gross Area6,361 sqft
1st Floor Area2,822 sqft
Upper Floors Area2,474 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,117 sqft (0.369 acres)
Garage TypeFinished
Garage Area658 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area407 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address2040 UNDERWOOD AVE
CitySAINT CLOUD
StateFL
Zip34771-7777
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNDERWOOD ESTATES PB 24 PG 1-4 LOT 18
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionUNDERWOOD ESTATES
Legal Tract5374
Legal Lot Number18
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1027
Census Tract43700

Owner

2040 Underwood Ave is owned and occupied by an individual who bought it in May 2017.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2040 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 8, 2020Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LOAN SERVICING LLC
May 25, 2017Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 25, 2017 · Amount on File
Deed SaleMay 25, 2017 · Amount on File
Prior SaleDec 14, 2015 · Amount on File
Deed Document Number0051532977
Deed Book / Page5153 / 2977
Record UpdatedJun 8, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2040 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Transaction TypeMortgage
Record UpdatedAug 1, 2022
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777

Mortgage

Document Number0057891682
DateSep 8, 2020
Book Page5789/1682
Instrument2020119314
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2050

May 2017: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 25, 2017
Property Address2040 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777
Document Number0051532977
Book / Page5153 / 2977
Map ReferenceMB24 PG1
Instrument DateMay 25, 2017
Instrument2017077020
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 1, 2022
Title CompanyFIDELITY NATL TITLE FL INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,277.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2420 LAKEMONT AVE STE 450, 2420, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

NameVerified Name
Address2040 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7777

Mortgage

Document Number0051532981
DateMay 25, 2017
Instrument5153/2981
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2040 Underwood Ave was $712 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$465,169$540,400 Land $75,000 Building $465,400
2023$621.00 (-89.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$438,894 (+3%)$530,900 (+17.33%) Land $75,000 Building $455,900
2022$5,901.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$426,111$452,500 Land $65,000 Building $387,500

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

Flood

FEMA maps place 2040 Underwood Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

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 2040 Underwood Ave is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 54% of the US · lower than 74% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
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, 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 259 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
CenturyLink
DSL · Fiber in parts of the area		140 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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