2104 Congress Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2104 Congress Ln, Saint Cloud, FL 34769

Property Summary

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	$420,000 (Jun 2026)
Tax Bill	$7,574 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0055-0001-1250`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0055-0001-1250`
Alternative APNs	`263009005500011250` `140263`

Interior

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

Exterior

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	Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2104 CONGRESS LN
City	SAINT CLOUD
State	FL
Zip	34769-7074
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PH 1B PB 18 PG 72 LOT 125
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1B
Legal Phase	1B
Legal Tract	55
Legal Block	1250
Legal Lot Number	125
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43208

Owner

Source: Osceola County records, as of July 13, 2026

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	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Warranty Deed, Transfer · VA Mortgage CORNERSTONE MORTGAGE INC
Jun 8, 2026	Warranty Deed, Transfer · VA Mortgage CORNERSTONE MORTGAGE INC
Dec 7, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 7, 2018	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Apr 30, 2024 · Amount on Record
Deed Document Number	202674821
Deed Book / Page	6984 / 735
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0000074821
Book / Page	6984 / 735
Instrument Date	May 29, 2026
Instrument	202674821
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$296,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Investor	Possibly a Property Investor

Mortgage

Document Number	0000074822,
Date	Jun 8, 2026
Instrument	202674822

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000074823,
Date	Jun 8, 2026
Book Page	6984/757
Instrument	202674823

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0069840735
Book / Page	6984 / 735
Instrument Date	May 29, 2026
Instrument	202674821
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$296,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Investor	Possibly a Property Investor

Mortgage

Document Number	0000074822,
Date	Jun 8, 2026
Instrument	202674822

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000074823,
Date	Jun 8, 2026
Book Page	6984/757
Instrument	202674823

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0054570474
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2104 CONGRESS LN ST CLOUD FL 347697074, ST CLOUD, FL 34769-7074

Mortgage

Document Number	0054570474
Date	Jan 2, 2019
Book Page	005457/000474
Instrument	54

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2104 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0054601440
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 24, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2104 CONGRESS LN ST CLOUD FL 347697074, ST CLOUD, FL 34769-7074

Mortgage

Document Number	0054601440
Date	Jan 9, 2019
Book Page	005460/001440
Instrument	3103

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,574.00 (+18.07%)	$342,700 (+61.27%) Land $70,000 Building $272,700	$342,700 (+0.35%) Land $70,000 Building $272,700
2023	$6,415.00 (+2.89%) Homeowner's exemption	$212,501 (+3%)	$341,500 (+12.59%) Land $60,000 Building $281,500
2022	$6,235.00 Homeowner's exemption	$206,312	$303,300 Land $55,000 Building $248,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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