2116 Senate Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2116 Senate Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,807 sqft · built 2006
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Nov 2023)
Tax Bill	$6,375 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0054-0001-0800`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0054-0001-0800`
Alternative APNs	`263009005400010800` `138243`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,807 sqft Living Area
Gross Area	3,363 sqft
1st Floor Area	1,654 sqft
Upper Floors Area	1,153 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2116 SENATE AVE
City	SAINT CLOUD
State	FL
Zip	34769-7075
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PHASE 1A PB 18 PG 40-42 LOT 80
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1A
Legal Phase	1A
Legal Tract	54
Legal Block	800
Legal Lot Number	80
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43208

Owner

Source: Osceola County records, as of February 3, 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	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Nov 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	2023156474
Deed Book / Page	6512 / 81
Prior Transfer Date	Mar 6, 2019
Prior Transfer Doc	0054872881
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075

Mortgage

Document Number	0069112373
Date	Jan 22, 2026
Book Page	6911/2373
Instrument	2026009688

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1967 VILLA ANGELO BLVD, SAINT CLOUD, FL 34769-5032

Mortgage

Document Number	0065120083
Date	Nov 30, 2023
Book Page	6512/83
Instrument	2023156475

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075

Mortgage

Document Number	0059360438
Date	Apr 15, 2021
Book Page	5936/438
Instrument	2021056913

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2020
Property Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075
Document Number	0057462582
Book / Page	5746 / 2582
Map Reference	MB 18 PG 40
Instrument Date	Jun 23, 2020
Instrument	2020084534
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEYS SIGNATURE TTL PLLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,030.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3876 SAN ISIDRO CIR, 3876, SAINT CLOUD, FL 34772-8376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075

Mortgage

Document Number	0057462584
Date	Jun 30, 2020
Instrument	5746/2584

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2019
Property Address	2116 SENATE AVE, SAINT CLOUD, FL 34769-7075
Document Number	0054872881
Book / Page	005487 / 002881
Instrument Date	Mar 6, 2019
Instrument	29255
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2116 SENATE AVE ST CLOUD FL 347697075, ST CLOUD, FL 34769-7075

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	$6,375.00 (+2.69%)	$275,695 (+25.78%)	$351,200 (+3.29%) Land $70,000 Building $281,200
2024	$6,208.00 (+16.34%)
2023	$5,336.00 (+3.31%) Homeowner's exemption	$219,181 (+3%)	$340,000 (+12.58%) Land $60,000 Building $280,000
2022	$5,165.00 Homeowner's exemption	$212,798	$302,000 Land $55,000 Building $247,000

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.

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 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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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