2078 Sola Vista Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2078 Sola Vista Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,939 sqft · built 2020
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$306,400 (Mar 2020)
Tax Bill	$4,517 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`09-26-31-5042-0001-0680`

Property Details

APN / Parcel Number

Primary APN	`09-26-31-5042-0001-0680`
Alternative APN	`263109504200010680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,939 sqft Living Area
Gross Area	2,698 sqft
1st Floor Area	1,939 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	473 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2078 SOLA VISTA AVE
City	SAINT CLOUD
State	FL
Zip	34771-8756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOLA VISTA PB 27 PGS 171-174 LOT 68
Legal Range	31E
Legal Township	26S
Legal Section	09
Legal Subdivision	SOLA VISTA
Legal Lot Number	68
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43301

Owner

2078 Sola Vista Ave is owned and occupied by two individuals who bought it in March 2020.

Source: Osceola County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Jul 27, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 27, 2020	Special Warranty Deed, Transfer · FHA Mortgage SOUTHPOINT FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2020 · Amount on File
Deed Sale	Mar 27, 2020 · Amount on File
Deed Document Number	202043856
Deed Book / Page	5699 / 2922
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756

Mortgage

Document Number	0069151639
Date	Jan 30, 2026
Book Page	6915/1639
Instrument	2026013238

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 18, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756

Mortgage

Document Number	0064470074
Date	Jul 27, 2023
Book Page	6447/74
Instrument	2023096796

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Mar 1, 2051

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2020
Property Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756
Document Number	0056992922
Book / Page	5699 / 2922
Map Reference	MB 27 PG 171
Instrument Date	Mar 23, 2020
Instrument	2020043856
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EASTERN NATL TTL AGCY FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,144.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 2301, EATONVILLE, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 SOLA VISTA AVE, SAINT CLOUD, FL 34771-8756

Mortgage

Document Number	0056992924
Date	Mar 27, 2020
Instrument	5699/2924

Lender

Name	SOUTHPOINT FINANCIAL SERVICES INC
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2078 Sola Vista Ave was $4,517 with a homeowner's exemption, up 11.9% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,517.00 (+11.95%) Homeowner's exemption	$295,288	$363,800 Land $70,000 Building $293,800
2024	$4,035.00 (+2.13%)
2023	$3,951.00 (+4.11%) Homeowner's exemption	$278,608 (+3%)	$366,600 (+21.15%) Land $65,000 Building $301,600
2022	$3,795.00 Homeowner's exemption	$270,494	$302,600 Land $60,000 Building $242,600

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

Flood

FEMA maps place 2078 Sola Vista Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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 2078 Sola Vista Ave is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, Xfinity.

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