2106 Senate Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2106 Senate Ave, Saint Cloud, FL 34769 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,795 sqft · built 2006
Lot Size	0.132 acres (5,749 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Jul 2015)
Tax Bill	$4,538 (2025)
Deeds & Mortgages	Jul 2023 Document Sep 2017 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0054-0001-0850`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0054-0001-0850`
Alternative APNs	`263009005400010850` `138248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,795 sqft Living Area
Gross Area	2,251 sqft
1st Floor Area	1,795 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	15 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2106 SENATE AVE
City	SAINT CLOUD
State	FL
Zip	34769-7075
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANTHEM PARK PHASE 1A PB 18 PG 40-42 LOT 85
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1A
Legal Phase	1A
Legal Tract	54
Legal Block	850
Legal Lot Number	85
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0054-0001-0850

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address	2106 SENATE AVE, SAINT CLOUD, FL 34769-7075
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 07, 2023	ATTORNEY ONLY, ATTORNEY
Sep 27, 2017	Loan Modification, Mortgage · FHA Mortgage MB FIN'L BK
Sep 27, 2017	Loan Modification, Mortgage · FHA Mortgage MB FIN'L BK
Sep 27, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 28, 2015 · Amount on Record
Deed Sale	Jul 28, 2015 · Amount on Record
Prior Sale	Apr 22, 2009 · Amount on Record
Deed Document Number	2015110507
Deed Book / Page	4816 / 2008
Last Transfer Date	Jul 07, 2023
Transfer Doc	0064371158
Record Updated	Sep 20, 2026

July 2023:

Jurisdiction	OSCEOLA FL
Recording Date	Jul 07, 2023
Property Address	2106 SENATE AVE, SAINT CLOUD, FL 34769-7075
Document Number	0064371158
Book / Page	6437 / 1158
Map Reference	MB 18 PG 40-42
Instrument Date	Jul 07, 2023
Instrument	2023087860
Record Updated	Jul 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13536 LAKE VINING DR APT 13308, 13308, ORLANDO, FL 32821-6257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 SENATE AVE, SAINT CLOUD, FL 34769-7075

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2106 SENATE AVE, SAINT CLOUD, FL 34769-7075
Document Number	0052311662
Instrument Date	Sep 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 SENATE AVE ST CLOUD FL 347697075, ST CLOUD, FL 34769-7075

Mortgage

Document Number	0052311662
Date	Oct 27, 2017
Book Page	005231/001662
Instrument	154990

Lender

Name	MB FIN'L BK
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2106 SENATE AVE, SAINT CLOUD, FL 34769-7075
Document Number	0052960510
Instrument Date	Sep 27, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 SENATE AVE ST CLOUD FL 347697075, ST CLOUD, FL 34769-7075

Mortgage

Document Number	0052960510
Date	Mar 05, 2018
Book Page	005296/000510
Instrument	37136

Lender

Name	MB FIN'L BK
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 04, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2106 SENATE AVE, SAINT CLOUD, FL 34769-7075
Document Number	0052311657
Instrument Date	Sep 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 SENATE AVE ST CLOUD FL 347697075, ST CLOUD, FL 34769-7075

Mortgage

Document Number	0052311657
Date	Oct 27, 2017
Book Page	005231/001657
Instrument	154988

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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	$4,538.00 (+4.83%)	$173,041 (+5.99%)	$289,900 (+1.01%) Land $70,000 Building $219,900
2023	$4,329.00 (+3.39%) Homeowner's exemption	$163,267 (+3%)	$287,000 (+18.11%) Land $60,000 Building $227,000
2022	$4,187.00 Homeowner's exemption	$158,512	$243,000 Land $55,000 Building $188,000

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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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