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2118 Congress Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2118 Congress Ln, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,931 sqft · built 2006
Lot Size0.132 acres (5,750 sqft)
Owner2 Individual Names on Record
Last Sale$269,000 (Nov 2020)
Tax Bill$5,452 (2025)
Deeds & MortgagesDec 2020 Transfer
Nov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN140270

Property Details

APN / Parcel Number

Primary APN140270
Alternative APN
  • 092630005500011320

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,931 sqft Heated Area
Gross Area2,455 sqft
1st Floor Area1,931 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,750 sqft (0.132 acres)
Lot Dimensions115 ft deep x 50 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area104 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number140270
Street Address2118 CONGRESS LN
CitySAINT CLOUD
StateFL
Zip34769-7074
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionANTHEM PARK PH 1B PB 18 PG 72 LOT 132
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionANTHEM PARK
Legal Phase1B
Legal Tract55
Legal Block1
Legal Lot Number132
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1017
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address2118 CONGRESS LN, SAINT CLOUD, FL 34769-7074
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 8, 2020Correction Deed
STEWART TITLE
Nov 9, 2020Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 9, 2020 · Amount on Record
Deed SaleNov 9, 2020 · Amount on Record
Prior SaleFeb 3, 2009 · Amount on Record
Deed Document Number2020152865
Deed Book / Page5829 / 752
Record UpdatedJun 8, 2026

December 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateDec 8, 2020
Property Address2118 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number0058471801
Book / Page005847 / 001801
Instrument DateOct 28, 2020
Instrument166797
Record UpdatedDec 17, 2020
Title CompanySTEWART TITLE

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2118 CONGRESS LN ST CLOUD FL 347697074, ST CLOUD, FL 34769-7074

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 9, 2020
Property Address2118 CONGRESS LN, SAINT CLOUD, FL 34769-7074
Document Number0058290752
Book / Page5829 / 752
Map ReferenceMB 18 PG 72
Instrument DateOct 28, 2020
Instrument2020152865
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,883.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2125 ARNOLD LN, 2125, MALABAR, FL 32950-3405

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2118 CONGRESS LN, SAINT CLOUD, FL 34769-7074

Mortgage

Document Number0005829754
DateNov 9, 2020
Instrument5829/754
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,452.00 (+4.93%) Homeowner's exemption$224,095 (+5.99%)$302,000 (+0.8%) Land $70,000 Building $232,000
2023$5,196.00 (+3.3%) Homeowner's exemption$211,437 (+3%)$299,600 (+18.14%) Land $60,000 Building $239,600
2022$5,030.00 Homeowner's exemption$205,279$253,600 Land $55,000 Building $198,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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