2114 Justice Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2114 Justice Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,931 sqft · built 2006
Lot Size	0.132 acres (5,749 sqft)
Owner	Individual Name on Record
Last Sale	$349,500 (Apr 2026)
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0055-0001-1540`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0055-0001-1540`
Alternative APNs	`263009005500011540` `140292`

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
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2114 JUSTICE LN
City	SAINT CLOUD
State	FL
Zip	34769-7071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PH 1B PB 18 PG 72 LOT 154
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1B
Legal Phase	1B
Legal Tract	55
Legal Block	1540
Legal Lot Number	154
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43208

Owner

Source: Osceola County records, as of April 28, 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 Record
Mailing Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 16, 2026	Warranty Deed, Transfer · VA Mortgage FIRST FEDERAL BANK
Jun 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 25, 2017	Warranty Deed, Transfer · FHA Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Jul 25, 2017 · Amount on Record
Deed Document Number	202650733
Deed Book / Page	6956 / 2172
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071

Mortgage

Document Number	0064800977
Date	Sep 28, 2023
Book Page	6480/977
Instrument	2023127014

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	May 1, 2050

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2026
Property Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071
Document Number	0069562172
Book / Page	6956 / 2172
Instrument Date	Apr 10, 2026
Instrument	2026.50733
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$247,096.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071

Mortgage

Document Number	0000050734,
Date	Apr 16, 2026
Book Page	6956/2175
Instrument	2026.50734

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057340273
Date	Jun 9, 2020
Book Page	5734/273
Instrument	2020073397

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2017
Property Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071
Document Number	0051840770
Book / Page	5184 / 0770
Map Reference	MB18 PG72
Instrument Date	Jul 24, 2017
Instrument	2017107904
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SIGNATURE TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,469.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1981 GRAND OAK DR, 1981, KISSIMMEE, FL 34744-5954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 JUSTICE LN, SAINT CLOUD, FL 34769-7071

Mortgage

Document Number	0051840772
Date	Jul 25, 2017
Instrument	5184/0772

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$4,906.00 (+0.76%) Homeowner's exemption	$193,610 (+5.99%)	$304,500 (+0.73%) Land $70,000 Building $234,500
2024	$4,869.00 (+4.08%)
2023	$4,678.00 (+3.34%) Homeowner's exemption	$182,674 (+3%)	$302,300 (+17.86%) Land $60,000 Building $242,300
2022	$4,527.00 Homeowner's exemption	$177,354	$256,500 Land $55,000 Building $201,500

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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