2154 Canoe Creek Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2154 Canoe Creek Rd, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,394 sqft · built 1991
Lot Size	0.478 acres (20,821 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,558 (2025)
Deeds & Mortgages	Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-26-30-4950-0001-0488`

Property Details

APN / Parcel Number

Primary APN	`10-26-30-4950-0001-0488`
Alternative APNs	`263010495000010488` `83608`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,394 sqft Living Area
Gross Area	2,098 sqft
1st Floor Area	1,394 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,821 sqft (0.478 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2154 CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34769-5044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	S L & I C PB B PG 1 COM AT SE COR STERLING MANOR EST PB 4 PG 100, N 251.92 FT, E 120.35 FT TO POB; S 100 FT, E 188.6 FT TO WLY R/W CANOE CREEK RD & POC, CONC ELY, RAD 1195.92 FT, DELTA ANG 5 DEG, NLY ALONG CURVE & R/W 102.46 FT, W 210.91 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	10
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	488
Legal Lot Number	488
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	43208

Owner

2154 Canoe Creek Rd is owned and occupied by two individuals who acquired it in June 2018.

Source: Osceola County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2154 CANOE CREEK RD, SAINT CLOUD, FL 34769-5044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 19, 2018
Transfer Doc	0053551362
Record Updated	Jun 8, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2023
Property Address	2154 CANOE CREEK RD, SAINT CLOUD, FL 34769-5044
Document Number	0064432555
Book / Page	6443 / 2555
Instrument Date	Jun 28, 2023
Instrument	2023093938
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2154 CANOE CREEK RD, SAINT CLOUD, FL 34769-5044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1850 CACTUS CT, SAINT CLOUD, FL 34769-5089

Tax Assessment & Valuation

The 2025 property tax bill for 2154 Canoe Creek Rd was $3,558, up 10.2% from the year before.

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	$3,558.00 (+10.19%)	$241,694	$287,400 Land $63,200 Building $224,200
2024	$3,229.00 (+2.87%)
2023	$3,139.00 (+3.87%) Homeowner's exemption Senior Citizen's exemption	$228,042 (+3%)	$256,600 (+15.9%) Land $57,500 Building $199,100
2022	$3,022.00 Homeowner's exemption Senior Citizen's exemption	$221,400 Land $51,800 Building $169,600	$221,400 Land $51,800 Building $169,600

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

Flood

FEMA maps place 2154 Canoe Creek Rd 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 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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 2154 Canoe Creek Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.05% 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20