2105 Justice Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2105 Justice Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,795 sqft · built 2006
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Apr 2022)
Tax Bill	$7,422 (2025)
Deeds & Mortgages	May 2022 Transfer Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`140306`

Property Details

APN / Parcel Number

Primary APN	`140306`
Alternative APN	`092630005500011680`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,795 sqft Heated Area
Gross Area	2,251 sqft
1st Floor Area	1,795 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	15 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	140306
Street Address	2105 JUSTICE LN
City	SAINT CLOUD
State	FL
Zip	34769-7072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PH 1B PB 18 PG 72 LOT 168
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK
Legal Phase	1B
Legal Tract	55
Legal Block	1
Legal Lot Number	168
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43208

Owner

2105 Justice Ln is owned by an individual who bought it in April 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6926 DEARBORN PL, BOYNTON BEACH, FL 33437-3612
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
May 12, 2022	Correction Deed OS NATIONAL LLC
Apr 7, 2022	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
Oct 27, 2021	Warranty Deed, Transfer OS NATIONAL LLC
Feb 28, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022 · Amount on File
Deed Sale	Apr 7, 2022 · Amount on File
Prior Sale	Oct 27, 2021 · Amount on File
Deed Document Number	2022055660
Deed Book / Page	6189 / 1929
Record Updated	Jun 8, 2026

May 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 12, 2022
Property Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072
Document Number	0062130884
Book / Page	6213 / 884
Map Reference	MB 18 PG 72
Instrument Date	Mar 23, 2022
Instrument	2022075798
Record Updated	May 26, 2022
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 7, 2022
Property Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072
Document Number	0061891929
Book / Page	6189 / 1929
Map Reference	MB 18 PG 72
Instrument Date	Mar 23, 2022
Instrument	2022055660
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072

Mortgage

Document Number	0061891931
Date	Apr 7, 2022
Instrument	6189/1931

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 27, 2021
Property Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072
Document Number	0060732127
Book / Page	6073 / 2127
Map Reference	MB 18 PG 72
Instrument Date	Oct 25, 2021
Instrument	2021166854
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$2,109.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4664 SHERMONT AVE SW, CANTON, OH 44706-3848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2019
Property Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072
Document Number	0054840104
Book / Page	5484 / 0104
Map Reference	MB 18 PG 72
Instrument Date	Feb 28, 2019
Instrument	2019025816
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 JUSTICE LN, SAINT CLOUD, FL 34769-7072

Mortgage

Document Number	2019025817
Date	Feb 28, 2019
Instrument	2019025817

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2105 Justice Ln was $7,422.

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	$7,422.00	$291,100 Land $70,000 Building $221,100	$291,100 Land $70,000 Building $221,100
2023	$7,342.00 (+13.15%)	$288,200 (+18.16%) Land $60,000 Building $228,200	$288,200 (+18.16%) Land $60,000 Building $228,200
2022	$6,489.00	$243,900 Land $55,000 Building $188,900	$243,900 Land $55,000 Building $188,900

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

Flood

FEMA maps place 2105 Justice Ln in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 2105 Justice Ln is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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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