2108 Congress Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2108 Congress Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,931 sqft · built 2006
Lot Size	0.136 acres (5,924 sqft)
Owner	2 Individual Names on Record
Last Sale	$66,300 (May 2021)
Tax Bill	$6,269 (2025)
Deeds & Mortgages	Sep 2023 Sale Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0055-0001-1270`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0055-0001-1270`
Alternative APNs	`263009005500011270` `140265`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,931 sqft Living Area
Gross Area	2,455 sqft
1st Floor Area	1,931 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	5,924 sqft (0.136 acres)
Lot Dimensions	115 ft deep x 51 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	104 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2108 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 127
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1B
Legal Phase	1B
Legal Tract	55
Legal Block	1270
Legal Lot Number	127
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 March 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 5, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Sep 1, 2016 · Amount on Record
Deed Document Number	202173517
Deed Book / Page	5957 / 398
Last Transfer Date	Aug 29, 2023
Transfer Doc	0064680683
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2023
Property Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0064792375
Book / Page	6479 / 2375
Map Reference	MB 18 PG 72
Instrument Date	Sep 25, 2023
Instrument	2023126417
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 5, 2023
Property Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0064680683
Book / Page	6468 / 683
Map Reference	MB 18 PG 72
Instrument Date	Aug 29, 2023
Instrument	2023115911
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 13, 2021
Property Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number	0059570398
Book / Page	5957 / 398
Map Reference	MB 18 PG 72
Instrument Date	May 5, 2021
Instrument	2021073517
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$464.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 CONGRESS LN, SAINT CLOUD, FL 34769-7074

Mortgage

Document Number	0005957400
Date	May 13, 2021
Instrument	5957/400

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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	$6,269.00 (+1.31%)	$274,771 (+5.99%)	$300,200 (+0.87%) Land $70,000 Building $230,200
2024	$6,188.00 (+3.69%)
2023	$5,968.00 (+1.88%) Homeowner's exemption Disabled Person's exemption	$259,251 (+3%)	$297,600 (+18.24%) Land $60,000 Building $237,600
2022	$5,858.00 Homeowner's exemption Disabled Person's exemption	$251,700 Land $55,000 Building $196,700	$251,700 Land $55,000 Building $196,700

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
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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