Osceola County property record for 2109 Senate Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,807 sqft Heated Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $415,000 (2022) |
| Tax Bill | $7,642.00 (2025) |
| Primary APN | 138256 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,807 sqft Heated Area |
| Gross Area | 3,523 sqft Gross Area |
| 1st Floor | 1,654 sqft 1st Floor |
| Upper Floors | 1,153 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Fence | Fence |
| Porch | Finished/Screened Porch |
| Porch Area | 296 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 138256 |
|---|---|
| Street Address | 2109 SENATE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7076 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ANTHEM PARK PHASE 1A PB 18 PG 40-42 LOT 93 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | ANTHEM PARK |
| Legal Phase | 1A |
| Legal Tract | 54 |
| Legal Block | 1 |
| Legal Lot Number | 93 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 43208 |
Source: Osceola County records · APN 138256
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 SENATE AVE, SAINT CLOUD, FL 34769-7076 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU |
| Jun 17, 2020 | Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 24, 2022 · Amount on Record |
| Deed Sale | Aug 24, 2022 · Amount on Record |
| Prior Sale | Aug 25, 2010 · Amount on Record |
| Deed Doc Number | 2022129284 |
| Deed Book / Page | 6273 / 2826 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 24, 2022 |
| Property Address | 2109 SENATE AVE, SAINT CLOUD, FL 34769-7076 |
| Document Number | 0062732826 |
| Book / Page | 6273 / 2826 |
| Map Reference | MB 18 PG 40-42 |
| Instrument Date | Aug 23, 2022 |
| Instrument | 2022129284 |
| Transaction Type | Transfer |
| Record Updated | Sep 08, 2022 |
| Title Company | FIRST TITLE AND TRUST INC, FIRST FLORIDA TITLE & TR INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2200 HICKORY WOOD CT, 2200, SAINT CLOUD, FL 34772-8992 |
| Name | Verified Name |
|---|---|
| Address | 2109 SENATE AVE, SAINT CLOUD, FL 34769-7076 |
| Document Number | 0062732827 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | 6273/2827 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2109 SENATE AVE, SAINT CLOUD, FL 34769-7076 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0050862756 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 5086/2756 |
| Instrument | 2017009254 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2109 SENATE AVE, SAINT CLOUD, FL 34769-7076 |
| Document Number | 0057422102 |
| Instrument Date | Jun 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 2109 SENATE AVE ST CLOUD FL 347697076, ST CLOUD, FL 34769-7076 |
| Document Number | 0057422102 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 005742/002102 |
| Instrument | 81069 |
| Name | ADDITION FIN'L CU |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jun 23, 2055 |
| Rate Type | Adjustable Rate |
|---|
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,642.00 (+0.38%) Homeowner's exemption | $346,500 (+0.26%) Land $70,000 Building $276,500 | $346,500 (+0.26%) Land $70,000 Building $276,500 |
| 2023 | $7,613.00 (+13.93%) Homeowner's exemption | $345,600 (+12.54%) Land $60,000 Building $285,600 | $345,600 (+12.54%) Land $60,000 Building $285,600 |
| 2022 | $6,682.00 | $307,100 Land $55,000 Building $252,100 | $307,100 Land $55,000 Building $252,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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