Osceola County property record for 2043 Iorio St, Saint Cloud, FL 34771
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $462,500 (Dec 2025) |
| Tax Bill | $3,139 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032631532500010700 |
| Primary APN | 032631532500010700 |
|---|
| Lot Area | 3,485 sqft (0.08 acres) |
|---|
| Street Address | 2043 IORIO ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8119 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | TRINITY PLACE PH 1 PB 33 PGS 175-181 LOT 70 |
| Legal Phase | 1 |
| Legal Lot Number | 70 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43700 |
Source: Osceola County records, as of December 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2043 LORIO STREET, SAINT CLOUD, FL 34771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on Record |
| Deed Sale | Dec 8, 2025 · Amount on Record |
| Deed Document Number | 2025149594 |
| Deed Book / Page | 6890 / 54 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 8, 2025 |
| Property Address | 2043 IORIO ST, SAINT CLOUD, FL 34771-8119 |
| Document Number | 0068900054 |
| Book / Page | 6890 / 54 |
| Map Reference | MB 33 PG 175-181 |
| Instrument Date | Dec 4, 2025 |
| Instrument | 2025149594 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2083 GAITHER RD, ROCKVILLE, MD 20850 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2043 LORIO STREET, SAINT CLOUD, FL 34771 |
| Document Number | 0000689056 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 6890/56 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 5% |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,139.00 | $70,000 Land $70,000 | $70,000 Land $70,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 5 (1994–2017) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon, Xfinity.
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