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2120 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2120 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,856 sqft · built 2016
Lot Size0.37 acres (16,117 sqft)
Owner2 Trust Names on File
Last Sale$525,000 (Dec 2022)
Tax Bill$5,087 (2025)
Deeds & MortgagesOct 2026 Sale
Dec 2022 Sale
Flood ZoneZone X (minimal risk)
APN17-25-31-5374-0001-0220

Property Details

APN / Parcel Number

Primary APN17-25-31-5374-0001-0220
Alternative APN
  • 253117537400010220

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Building Area2,856 sqft Living Area
Gross Area3,761 sqft
1st Floor Area2,856 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialConcrete Block/Stucco
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,117 sqft (0.37 acres)
Garage TypeAttached
Garage Area660 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area245 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2120 UNDERWOOD AVE
CitySAINT CLOUD
StateFL
Zip34771-7600
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNDERWOOD ESTATES PB 24 PG 1-4 LOT 22
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionUNDERWOOD ESTATES
Legal Tract5374
Legal Block220
Legal Lot Number22
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1027
Census Tract43700

Owner

2120 Underwood Ave is owner-occupied and held in a trust since October 2026.

Source: Osceola County records, as of October 21, 2026

Owner of Record2 Trust Names on File
Mailing Address2120 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Revocable Living Trust

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

Deeds, Mortgages & Sale History

DateDocument
Oct 6, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 5, 2022Warranty Deed, Transfer
MILLENNIAL TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 5, 2022 · Amount on File
Deed SaleDec 5, 2022 · Amount on File
Prior SaleSep 28, 2016 · Amount on File
Deed Document Number2022174164
Deed Book / Page6324 / 1176
Last Transfer DateOct 5, 2026
Transfer Doc0000128979
Record UpdatedOct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 6, 2026
Property Address2120 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
Document Number0000128979
Book / Page7045 / 541
Instrument DateOct 5, 2026
Instrument2026128979
Transaction TypeTransfer
Record UpdatedOct 20, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address2120 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 5, 2022
Property Address2120 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
Document Number0063241176
Book / Page6324 / 1176
Map ReferenceMB 24 PG 1
Instrument DateNov 30, 2022
Instrument2022174164
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyMILLENNIAL TITLE LLC

Transaction

AmountAmount on Record
Tax$3,675.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3203 LARGE OAK CT, KISSIMMEE, FL 34744-9256

Transferred To (Grantee/Buyer)

NameVerified Name
Address2120 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600

Tax Assessment & Valuation

The 2025 property tax bill for 2120 Underwood Ave was $5,087.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,087.00$373,700 Land $75,000 Building $298,700$373,700 Land $75,000 Building $298,700
2023$5,760.00 (+46.12%)$368,000 (+28.66%) Land $75,000 Building $293,000$368,000 (+18.56%) Land $75,000 Building $293,000
2022$3,942.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$286,020$310,400 Land $65,000 Building $245,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2120 Underwood Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

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

Wildfire risk around 2120 Underwood Ave is moderate, ranking above 52% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 259 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
CenturyLink
DSL · Fiber in parts of the area		140 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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