Osceola County property record for 2117 Trani Ter, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,854 sqft · built 2020 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $510,000 (Apr 2025) |
| Tax Bill | $5,577 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 162531501500010470 |
| Primary APN | 162531501500010470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,854 sqft Heated Area |
| Gross Area | 2,484 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Pool Area | 392 sqft |
| Porch | Open Porch |
| Deck Area | 666 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2117 TRANI TER |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 47 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE |
| Legal Phase | 2 |
| Legal Tract | 5015 |
| Legal Lot Number | 47 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531501500010470
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 07, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 03, 2024 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Mar 18, 2020 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2025 · Amount on Record |
| Deed Sale | Apr 07, 2025 · Amount on Record |
| Prior Sale | Sep 03, 2024 · Amount on Record |
| Deed Document Number | 2025043356 |
| Deed Book / Page | 6766 / 2652 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Document Number | 0059101775 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 5910/1775 |
| Instrument | 2021036882 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 07, 2025 |
| Property Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Document Number | 0067662652 |
| Book / Page | 6766 / 2652 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Apr 04, 2025 |
| Instrument | 2025043356 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TITLE LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13940 ARCLID ST, ORLANDO, FL 32832-6222 |
| Name | Verified Name |
|---|---|
| Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Document Number | 0067662654 |
|---|---|
| Date | Apr 07, 2025 |
| Instrument | 6766/2654 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 03, 2024 |
| Property Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Document Number | 0066582318 |
| Book / Page | 6658 / 2318 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Aug 27, 2024 |
| Instrument | 2024113226 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,290.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1524, MIDLOTHIAN, VA 23113-1524 |
| Name | Verified Name |
|---|---|
| Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 18, 2020 |
| Property Address | 2117 TRANI TER, SAINT CLOUD, FL 34771-8059 |
| Document Number | 0056942066 |
| Book / Page | 5694 / 2066 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Mar 18, 2020 |
| Instrument | 2020039272 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6900 TAVISTOCK LAKES BLVD STE 200, 6900, ORLANDO, FL 32827-7591 |
| Name | Verified Name |
|---|---|
| Address | 2117 TRARI TERRACE ST, SAINT CLOUD, FL 34771 |
| Document Number | 0056942068 |
|---|---|
| Date | Mar 18, 2020 |
| Instrument | 5694/2068 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $5,577.00 (+32.38%) Homeowner's exemption | $392,000 (+29.66%) Land $80,000 Building $312,000 | $392,000 (-1.78%) Land $80,000 Building $312,000 |
| 2023 | $4,213.00 (+16.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $302,323 (+15.15%) | $399,100 (+29.79%) Land $80,000 Building $319,100 |
| 2022 | $3,614.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $262,547 | $307,500 Land $55,000 Building $252,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, 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 330 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022, tidal / storm surge, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 313 per year |
| Exposure | Direct burnable vegetation at the parcel |
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 444 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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