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2125 Christopher Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2125 Christopher Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms3 Baths
Year BuiltBuilt 1995
Square Footage1,674 sqft Heated Area
Lot Size5,663 sqft (0.13 acres)
Last Sale$285,000 (2024)
Tax Bill$3,880.00 (2025)

Property Details

APN / Parcel Number

Primary APN1026313050000C0010
Alternative APN
  • 97066

Interior

Bedrooms2 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area1,674 sqft Heated Area
Gross Area1,738 sqft Gross Area
1st Floor1,354 sqft 1st Floor
Upper Floors320 sqft Upper Floors
Stories1 Stories
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1995
Exterior MaterialVinyl Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,663 sqft (0.13 acres)
Depth X Width80 ft x 70 ft Depth x Width

Exterior Amenities

Shed1 Shed
Shed Area200 sqft Shed
PorchOpen Porch
Porch Area64 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number97066
Street Address2125 CHRISTOPHER LN
CitySAINT CLOUD
StateFL
Zip34771-8260
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEL RANCHO PARK PB 1 PG 415 BLK C COM SW COR BLK A, S 81 DEG 182.88 FT FOR POB; S 80.08 FT, E 70 FT, N 80 FT, N 89 DEG W 71.12
Legal Range31E
Legal Township26S
Legal Section10
Legal SubdivisionEL RANCHO PARK ADDN
Legal Tract3050
Legal BlockC,G
Legal Lot Number14
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1001
Census Tract43301

Owner

Source: Osceola County records · APN 1026313050000C0010

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2065 MUSTANG CT, SAINT CLOUD, FL 34771-8307
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2024Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC
Dec 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Jan 11, 2019Loan Modification, Mortgage
AMERIFIRST FIN'L CORP
Dec 20, 2018Warranty Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Feb 08, 2018Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 25, 2024 · Amount on Record
Deed SaleMar 25, 2024 · Amount on Record
Prior SaleDec 20, 2018 · Amount on Record
Deed Doc Number2024037306
Deed Book / Page6569 / 2610
Record RefreshedJun 08, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260
Transaction TypeMortgage
Record UpdatedMay 14, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address13959 MARINE DR, ORLANDO, FL 32832-6509

Mortgage

Document Number0065692612
DateMar 25, 2024
Book Page6569/2612
Instrument2024037307
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Address1400 FORUM BLVD STE 18, COLUMBIA, MO 65203
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260

Mortgage

Document Number0058511996
DateDec 15, 2020
Book Page5851/1996
Instrument2020170154
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

January 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260
Document Number0054630073
Instrument DateJan 11, 2019
Transaction TypeMortgage
Record UpdatedJan 31, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address2125 CHRISTOPHER LN ST CLOUD FL 347718260, ST CLOUD, FL 34771-8260

Mortgage

Document Number0054630073
DateJan 15, 2019
Book Page005463/000073
Instrument5716
Lender
NameAMERIFIRST FIN'L CORP
AddressKALAMAZOO, MI 49002
Agreement
AmountAmount Recorded
Term360 Months
DueJan 14, 2049
Interest
Rate TypeFixed Rate
Rate5.75%

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 20, 2018
Property Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260
Document Number0054530240
Book / Page5453 / 0240
Map ReferenceMB 1 PG 357
Instrument DateDec 14, 2018
Instrument2018186378
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCLASSIC TITLE & SOLUTIONS IN

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,085.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1720 ELDORADO CT, 1720, SAINT CLOUD, FL 34771-8481

Transferred To (Grantee/Buyer)

NameVerified Name
Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260

Mortgage

Document Number2018186379
DateDec 20, 2018
Instrument2018186379
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2049

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateFeb 08, 2018
Property Address2125 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8260
Document Number0052822595
Book / Page005282 / 002595
Instrument DateFeb 08, 2018
Instrument21989
Transaction TypeTransfer
Record UpdatedFeb 27, 2018

Transaction

AmountAmount Recorded
Tax$245.00
Amount AccuracyConfirmed
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1720 ELDORADO CT ST CLOUD FL 347718481, ST CLOUD, FL 34771-8481

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,880.00 (+97.76%)$228,600 (+67.85%) Land $52,200 Building $176,400$228,600 (+26.37%) Land $52,200 Building $176,400
2023$1,962.00 (+5.31%) Homeowner's exemption$136,189 (+3%)$180,900 (+15.3%) Land $25,200 Building $155,700
2022$1,863.00 Homeowner's exemption$132,223$156,900 Land $25,200 Building $131,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation66.0 ft

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 400 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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