Osceola County property record for 2101 Congress Ln, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,807 sqft · built 2006 |
| Lot Size | 0.132 acres (5,749 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $311,000 (Aug 2006) |
| Tax Bill | $7,844 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0055-0001-1460 |
| Primary APN | 09-26-30-0055-0001-1460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,807 sqft Living Area |
| Gross Area | 3,363 sqft |
| 1st Floor Area | 1,654 sqft |
| Upper Floors Area | 1,153 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,749 sqft (0.132 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 136 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2101 CONGRESS LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | ANTHEM PARK PH 1B PB 18 PG 72 LOT 146 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | ANTHEM PARK PH 1B |
| Legal Phase | 1B |
| Legal Tract | 55 |
| Legal Block | 1460 |
| Legal Lot Number | 146 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 43208 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 9 J A MCDERMOTT CIR, RANDOLPH, MA 02368-2753 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2006 · Amount on Record |
| Deed Sale | Aug 16, 2006 · Amount on Record |
| Deed Document Number | 2006206324 |
| Deed Book / Page | 3249 / 2865 |
| Last Transfer Date | Apr 13, 2012 |
| Transfer Doc | 0042592304 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2101 CONGRESS LN, SAINT CLOUD, FL 34769-7073 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9 J A MCDERMOTT CIR, RANDOLPH, MA 02368-2753 |
| Document Number | 0061092300 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 6109/2300 |
| Instrument | 2021194386 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 217 Months |
| Due | Jan 1, 2040 |
Source: Osceola County assessment roll, as of November 26, 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 | $7,844.00 (+3.13%) | $341,800 (+0.38%) Land $70,000 Building $271,800 | $341,800 (+0.38%) Land $70,000 Building $271,800 |
| 2024 | $7,606.00 (+6.24%) | ||
| 2023 | $7,159.00 (+8.29%) | $340,500 (+12.56%) Land $60,000 Building $280,500 | $340,500 (+12.56%) Land $60,000 Building $280,500 |
| 2022 | $6,611.00 | $302,500 Land $55,000 Building $247,500 | $302,500 Land $55,000 Building $247,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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