Osceola County property record for 2155 Palm Ter, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 992 sqft · built 1951 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $64,000 (Aug 2015) |
| Tax Bill | $1,507 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 1026315030000C0010 |
| Primary APN | 1026315030000C0010 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 992 sqft Heated Area |
| Gross Area | 1,824 sqft |
| 1st Floor Area | 992 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 115 ft deep x 100 ft wide |
| Garage Type | Unfinished |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 312 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 97160 |
|---|---|
| Street Address | 2155 PALM TER |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMITHSON VILLAGE PB 1 PG 289 BLK C LOTS 1, 2 AND COM NE COR LOT 1, N 25 FT TO S BDY HWY 441, NWLY ALONG R/W TO A PT N OF NW |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | SMITHSON VLG UNIT 2 |
| Legal Tract | 5030 |
| Legal Block | C |
| Legal Lot Number | 1-2,101 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 43301 |
Source: Osceola County records · APN 1026315030000C0010
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2155 PALM TER, SAINT CLOUD, FL 34771-8752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 26, 2015 · Amount on Record |
| Deed Sale | Aug 26, 2015 · Amount on Record |
| Prior Sale | Aug 26, 2015 · Amount on Record |
| Deed Document Number | 2015127400 |
| Deed Book / Page | 4832 / 1141 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2155 PALM TER, SAINT CLOUD, FL 34771-8752 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2155 PALM TER, SAINT CLOUD, FL 34771-8752 |
| Document Number | 0059131092 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 5913/1092 |
| Instrument | 2021039125 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $1,507.00 (+11.22%) Homeowner's exemption | $98,205 (+5.99%) | $180,200 (+15.51%) Land $55,000 Building $125,200 |
| 2023 | $1,355.00 (+6.53%) Homeowner's exemption | $92,659 (+3%) | $156,000 (+9.7%) Land $36,000 Building $120,000 |
| 2022 | $1,272.00 Homeowner's exemption | $89,961 | $142,200 Land $36,000 Building $106,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 58% of the US · above 30% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 621 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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