2050 Banner Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2050 Banner Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,742 sqft · built 2013
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$414,900 (Nov 2025)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158722`

Property Details

APN / Parcel Number

Primary APN	`158722`
Alternative APN	`092630008200014170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,742 sqft Heated Area
Gross Area	3,401 sqft
1st Floor Area	1,163 sqft
Upper Floors Area	1,579 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	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158722
Street Address	2050 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 417
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	417
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 5, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Nov 7, 2025	Warranty Deed, Transfer · FHA Mortgage OCMBC INC
Jul 6, 2017	Special Warranty Deed, Transfer · VA Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Jul 6, 2017 · Amount on Record
Deed Document Number	2025138408
Deed Book / Page	6877 / 2249
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817

Mortgage

Document Number	0064110089
Date	May 22, 2023
Book Page	6411/89
Instrument	2023064967

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059050125
Date	Mar 5, 2021
Book Page	5905/125
Instrument	2021032632

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 7, 2025
Property Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817
Document Number	0068772249
Book / Page	6877 / 2249
Map Reference	MB 20 PG 90
Instrument Date	Nov 5, 2025
Instrument	2025138408
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,904.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7718 UDINE AVE, ORLANDO, FL 32819-9545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817

Mortgage

Document Number	0068772251
Date	Nov 7, 2025
Book Page	6877/2251
Instrument	2025138409

Lender

Name	OCMBC INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2017
Property Address	2050 BANNER LN, SAINT CLOUD, FL 34769-1817
Document Number	0051751925
Book / Page	5175 / 1925
Map Reference	MB20 PG90-93
Instrument Date	Jun 19, 2017
Instrument	2017098719
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2650 DADE AVE APT 1117, 2650, ORLANDO, FL 32804-4607

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051751927
Date	Jul 6, 2017
Instrument	5175/1927

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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	$2,212.00 (-2.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$229,512 (+2.9%)	$345,700 (-3.33%) Land $70,000 Building $275,700
2024	$2,270.00 (+5.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$223,044 (+3%)	$357,600 (+3.74%) Land $68,000 Building $289,600
2023	$2,151.00 (+2.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$216,548 (+3%)	$344,700 (+12.43%) Land $60,000 Building $284,700
2022	$2,094.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$210,241	$306,600 Land $55,000 Building $251,600

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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