2105 Senate Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2105 Senate Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,329 sqft · built 2006
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Company Names on File
Last Sale	$350,000 (Nov 2021)
Tax Bill	$6,839 (2025)
Deeds & Mortgages	Aug 2023 Transfer Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0054-0001-0910`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0054-0001-0910`
Alternative APNs	`263009005400010910` `138254`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,329 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	1,423 sqft
Upper Floors Area	906 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)
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2105 SENATE AVE
City	SAINT CLOUD
State	FL
Zip	34769-7076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANTHEM PARK PHASE 1A PB 18 PG 40-42 LOT 91
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1A
Legal Phase	1A
Legal Tract	54
Legal Block	910
Legal Lot Number	91
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0054-0001-0910

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 19, 2021	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
May 26, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 19, 2021 · Amount on Record
Deed Sale	Nov 19, 2021 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	2021180450
Deed Book / Page	6091 / 347
Last Transfer Date	Aug 25, 2023
Transfer Doc	0064640144
Record Updated	Jun 08, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2023
Property Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076
Document Number	0064640144
Book / Page	6464 / 144
Map Reference	MB 18 PG 40
Instrument Date	Aug 25, 2023
Instrument	2023112321
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 19, 2021
Property Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076
Document Number	0060910347
Book / Page	6091 / 347
Map Reference	MB 18 PG 40
Instrument Date	Nov 18, 2021
Instrument	2021180450
Transaction Type	Transfer
Record Updated	Dec 08, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	572 KINGFISHER DR, 572, KISSIMMEE, FL 34759-4419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076

Mortgage

Document Number	6091348
Date	Nov 19, 2021
Instrument	6091/348

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2017
Property Address	2105 SENATE AVE, SAINT CLOUD, FL 34769-7076
Document Number	0051542423
Book / Page	005154 / 002423
Instrument Date	May 25, 2017
Instrument	77996
Transaction Type	Transfer
Record Updated	Jul 04, 2017
Title Company	SIGNATURE TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2105 SENATE AVE ST CLOUD FL 347697076, ST CLOUD, FL 34769-7076

Mortgage

Document Number	51542425
Date	May 26, 2017
Book Page	005154/002425
Instrument	77997

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,839.00 (+1.42%)	$301,626 (+5.99%)	$328,900 (+0.52%) Land $70,000 Building $258,900
2024	$6,743.00 (+3.52%)
2023	$6,514.00 (+3.23%) Homeowner's exemption	$284,589 (+3%)	$327,200 (+18.42%) Land $60,000 Building $267,200
2022	$6,310.00 Homeowner's exemption	$276,300 Land $55,000 Building $221,300	$276,300 Land $55,000 Building $221,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 16% of Florida
Wildfire Likelihood	About 1 in 1,316 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 469 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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