2149 Betsy Ross Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2149 Betsy Ross Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,764 sqft · built 2015
Lot Size	0.065 acres (2,838 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2020)
Tax Bill	$4,378 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0521-0005-00C0`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0521-0005-00C0`
Alternative APN	`2630090521000500C0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	2,163 sqft
1st Floor Area	876 sqft
Upper Floors Area	888 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,838 sqft (0.065 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2149 BETSY ROSS LN
City	SAINT CLOUD
State	FL
Zip	34769-7099
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	JEFFERSON GREEN AT ANTHEM PARK CONDO PH 5 CB 13 PG 93 OR 4471/1516 BLDG 5 UNIT C
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	JEFFERSON GREEN AT ANTHEM PARK CONDO PH
Legal Phase	5
Legal Tract	521
Legal Block	5
Legal Lot Number	C
Legal Unit	C
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43208

Owner

2149 Betsy Ross Ln, a condominium, is owned and occupied by an individual who bought it in April 2020.

Source: Osceola County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 14, 2020	Warranty Deed, Transfer EQUITABLE TITLE/CELEBRATION
May 30, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2020 · Amount on File
Deed Sale	Apr 14, 2020 · Amount on File
Prior Sale	May 30, 2017 · Amount on File
Deed Document Number	202050401
Deed Book / Page	5707 / 1844
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 1, 2026
Property Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099
Document Number	0000114524
Book / Page	7028 / 2931
Instrument Date	Aug 27, 2026
Instrument	2026114524
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099

Mortgage

Document Number	0000114524,
Date	Sep 1, 2026
Book Page	7028/2931
Instrument	2026114524

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099
Transaction Type	Mortgage
Record Updated	Nov 22, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099

Mortgage

Document Number	0063112544
Date	Nov 7, 2022
Book Page	6311/2544
Instrument	2022162967

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2042

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2020
Property Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099
Document Number	0057071844
Book / Page	005707 / 001844
Instrument Date	Apr 3, 2020
Instrument	50401
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	EQUITABLE TITLE/CELEBRATION

Transaction

Amount	Amount on Record
Tax	$1,260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2149 BETSY ROSS LN ST CLOUD FL 347697099, ST CLOUD, FL 34769-7099

May 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2017
Property Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099
Document Number	0051551709
Book / Page	5155 / 1709
Instrument Date	May 19, 2017
Instrument	2017078592
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,008.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2149 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099

Mortgage

Document Number	0051551710
Date	May 30, 2017
Book Page	5155/1710
Instrument	2017078593

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2149 Betsy Ross Ln was $4,378 with a homeowner's exemption.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,378.00 Homeowner's exemption	$189,013	$253,400 Building $253,400
2023	$4,167.00 (+3.43%) Homeowner's exemption	$178,337 (+3%)	$263,100 (+33.22%) Building $263,100
2022	$4,029.00 Homeowner's exemption	$173,143	$197,500 Building $197,500

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

Flood

FEMA maps place 2149 Betsy Ross Ln in Zone X, an area of minimal flood risk.

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 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 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

Wildfire risk around 2149 Betsy Ross Ln is moderate, ranking above 66% 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 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

Provider	Max 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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