Osceola County property record for 2109 Congress Ln, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,795 sqft · built 2006 |
| Lot Size | 0.135 acres (5,924 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Sep 2006) |
| Tax Bill | $3,323 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 140280 |
| Primary APN | 140280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 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 |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,924 sqft (0.135 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 |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 140280 |
|---|---|
| Street Address | 2109 CONGRESS LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ANTHEM PARK PH 1B PB 18 PG 72 LOT 142 |
| 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 | 142 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 43208 |
Source: Osceola County records · APN 140280
Assessment roll updated July 1, 2025 · Last verified December 2025
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 | 2109 CONGRESS LN, SAINT CLOUD, FL 34769-7073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 18, 2006 · Amount on Record |
| Deed Sale | Sep 18, 2006 · Amount on Record |
| Deed Document Number | 2006229055 |
| Deed Book / Page | 3278 / 2309 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,323.00 (+4.66%) Homeowner's exemption | $105,147 (+5.99%) | $289,900 (+1.01%) Land $70,000 Building $219,900 |
| 2023 | $3,175.00 (+3.56%) Homeowner's exemption | $99,208 (+3%) | $287,000 (+18.11%) Land $60,000 Building $227,000 |
| 2022 | $3,066.00 Homeowner's exemption | $96,319 | $243,000 Land $55,000 Building $188,000 |
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
| 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 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.
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.
5G and 4G LTE
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