2103 Brillante Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2103 Brillante Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,124 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (May 2023)
Tax Bill	$6,760 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`092631504200011030`

Property Details

APN / Parcel Number

Primary APN	`092631504200011030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,124 sqft Heated Area
Gross Area	2,900 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2103 BRILLANTE DR
City	SAINT CLOUD
State	FL
Zip	34771-8742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOLA VISTA PB 27 PGS 171-174 LOT 103
Legal Range	31E
Legal Township	26S
Legal Section	09
Legal Subdivision	SOLA VISTA
Legal Tract	5042
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43301

Owner

Source: Osceola County records, as of December 11, 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
Co-owner	Co-owner on Record
Mailing Address	4425 PRESERVE DR APT 202, 202, MELBOURNE, FL 32934-8732
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CU
Aug 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 22, 2020	Special Warranty Deed, Transfer · VA Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Prior Sale	Jun 22, 2020 · Amount on Record
Deed Document Number	2023059588
Deed Book / Page	6404 / 2172
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2023
Property Address	2103 BRILLANTE DR, SAINT CLOUD, FL 34771-8742
Document Number	0064042172
Book / Page	6404 / 2172
Map Reference	MB 27 PG 171
Instrument Date	May 3, 2023
Instrument	2023059588
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 PRESERVE DR APT 202, 202, MELBOURNE, FL 32934-8732

Mortgage

Document Number	0064042174
Date	May 10, 2023
Instrument	6404/2174

Lender

Name	SPACE COAST CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	10.5%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2103 BRILLANTE DR, SAINT CLOUD, FL 34771-8742
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 BRILLANTE DR, SAINT CLOUD, FL 34771-8742

Mortgage

Document Number	0060132006
Date	Aug 2, 2021
Book Page	6013/2006
Instrument	2021118816

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2020
Property Address	2103 BRILLANTE DR, SAINT CLOUD, FL 34771-8742
Document Number	0057411615
Book / Page	5741 / 1615
Map Reference	MB 27 PG 171
Instrument Date	Jun 15, 2020
Instrument	2020079953
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	EASTERN NATL TTL AGCY AZ LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,473.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 BRILLANTE DR, SAINT CLOUD, FL 34771-8742

Mortgage

Document Number	57411617
Date	Jun 22, 2020
Instrument	5741/1617

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$6,760.00 (+65.56%)	$377,500 (+31.06%) Land $73,500 Building $304,000	$377,500 (-0.68%) Land $73,500 Building $304,000
2023	$4,083.00 (+4.08%) Homeowner's exemption	$288,034 (+3%)	$380,100 (+21.36%) Land $68,200 Building $311,900
2022	$3,923.00 Homeowner's exemption	$279,645	$313,200 Land $63,000 Building $250,200

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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