Osceola County property record for 2121 Underwood Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 1988 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $242,000 (Jun 2020) |
| Tax Bill | $3,380 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 91051 |
| Primary APN | 91051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,548 sqft Heated Area |
| Gross Area | 3,100 sqft |
| 1st Floor Area | 1,548 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,998 sqft (0.505 acres) |
| Lot Dimensions | 220 ft deep x 100 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 1,100 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 452 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 91051 |
|---|---|
| Street Address | 2121 UNDERWOOD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR1C |
| Legal Description | NARCOOSSEE HALF ACRES PB 5 PG 31 LOT 8 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | NARC HALF ACRES UN 2 |
| Legal Tract | 4259 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
2121 Underwood Ave is owned and occupied by an individual who bought it in June 2020.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2121 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2020 · Amount on File |
| Deed Sale | Jun 3, 2020 · Amount on File |
| Prior Sale | Apr 4, 2006 · Amount on File |
| Deed Document Number | 2020071109 |
| Deed Book / Page | 5731 / 827 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 3, 2020 |
| Property Address | 2121 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7880 |
| Document Number | 0057310827 |
| Book / Page | 5731 / 827 |
| Map Reference | MB 5 PG 31 |
| Instrument Date | May 26, 2020 |
| Instrument | 2020071109 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,694.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1794 LEDGER RD, 1794, CHIPLEY, FL 32428-5193 |
| Name | Verified Name |
|---|---|
| Address | 2226 MALLARD CREEK CIR, KISSIMMEE, FL 34743-3541 |
| Document Number | 0005731829 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 5731/829 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 2121 Underwood Ave was $3,380 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,380.00 Homeowner's exemption | $233,420 | $280,900 Land $75,000 Building $205,900 |
| 2023 | $3,136.00 (+7.62%) Homeowner's exemption | $220,235 (+6.17%) | $251,600 (+15.84%) Land $57,000 Building $194,600 |
| 2022 | $2,914.00 Homeowner's exemption | $207,442 | $217,200 Land $57,000 Building $160,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2121 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 330 policies |
| 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 · Hurricane Ian |
| Claims by Event |
|
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 risk around 2121 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 Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures