2128 Continental St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2128 Continental St, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,708 sqft · built 2006
Lot Size	0.214 acres (9,321 sqft)
Owner	2 Individual Names on File
Last Sale	$238,000 (Jan 2018)
Tax Bill	$6,821 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0054-0001-1030`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0054-0001-1030`
Alternative APNs	`263009005400011030` `138266`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,708 sqft Living Area
Gross Area	3,323 sqft
1st Floor Area	1,718 sqft
Upper Floors Area	990 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,321 sqft (0.214 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	2128 CONTINENTAL ST
City	SAINT CLOUD
State	FL
Zip	34769-7068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANTHEM PARK PHASE 1A PB 18 PG 40-42 LOT 103
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 1A
Legal Phase	1A
Legal Tract	54
Legal Block	1030
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43208

Owner

Source: Osceola County records · APN 09-26-30-0054-0001-1030

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2128 CONTINENTAL ST, SAINT CLOUD, FL 34769-7068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
May 24, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 05, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 05, 2018 · Amount on Record
Deed Sale	Jan 05, 2018 · Amount on Record
Prior Sale	Apr 13, 2010 · Amount on Record
Deed Document Number	20183231
Deed Book / Page	5265 / 648
Prior Transfer Date	Mar 26, 2009
Prior Transfer Doc	0038170362
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2128 CONTINENTAL ST, SAINT CLOUD, FL 34769-7068
Transaction Type	Mortgage
Record Updated	Jun 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2128 CONTGINENTAL ST, SAINT CLOUD, FL 34769-7068
Investor	Possibly a Property Investor

Mortgage

Document Number	0064322586
Date	Jun 29, 2023
Book Page	6432/2586
Instrument	2023084097

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2128 CONTINENTAL ST, SAINT CLOUD, FL 34769-7068
Transaction Type	Mortgage
Record Updated	Jun 09, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2128 CONTINENTAL ST, SAINT CLOUD, FL 34769-7068
Investor	Possibly a Property Investor

Mortgage

Document Number	0059641198
Date	May 24, 2021
Book Page	5964/1198
Instrument	2021079559

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Feb 01, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 05, 2018
Property Address	2128 CONTINENTAL ST, SAINT CLOUD, FL 34769-7068
Document Number	0052650648
Book / Page	005265 / 000648
Instrument Date	Jan 04, 2018
Instrument	3231
Transaction Type	Transfer
Record Updated	Feb 08, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2128 CONTINENTAL ST ST CLOUD FL 347697068, ST CLOUD, FL 34769-7068

Mortgage

Document Number	52650649
Date	Jan 05, 2018
Book Page	005265/000649
Instrument	3232

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 04, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$6,821.00 (+0.28%) Homeowner's exemption Disabled Person's exemption	$231,564 (+5.99%)	$348,500 (+0.23%) Land $70,000 Building $278,500
2024	$6,802.00 (+4.29%)
2023	$6,522.00 (+1.94%) Homeowner's exemption Disabled Person's exemption	$218,484 (+3%)	$347,700 (+12.45%) Land $60,000 Building $287,700
2022	$6,398.00 Homeowner's exemption Disabled Person's exemption	$212,121	$309,200 Land $55,000 Building $254,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 493 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 469 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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