2156 Christopher Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2156 Christopher Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1945
Square Footage	1,240 sqft Heated Area
Lot Size	6,534 sqft (0.15 acres)
Occupancy	Owner Occupied
Last Sale	$220,000 (2023)
Tax Bill	$2,965.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`1026313050000C0050`
Alternative APN	`97070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,240 sqft Heated Area
Gross Area	1,412 sqft Gross Area
1st Floor	1,240 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Paneling Interior Structure

Exterior

Year Built	Built 1945
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,534 sqft (0.15 acres)
Depth X Width	105 ft x 61 ft Depth x Width

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	81 sqft Shed
Patio Area	300 sqft Patio

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	97070
Street Address	2156 CHRISTOPHER LN
City	SAINT CLOUD
State	FL
Zip	34771-8259
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EL RANCHO PARK BLK C PB 1 PG 415 COM SW COR BLK A, S 81 DEG E 254 FT, S 100 FT FOR POB; W 110 FT, S 61 FT, N 85 DEG E 69.47
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	EL RANCHO PARK ADDN
Legal Tract	3050
Legal Block	C,G
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1001
Census Tract	43301

Owner

Source: Osceola County records · APN 1026313050000C0050

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	2156 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8259
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Feb 27, 2020	Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/
Feb 27, 2020	Correction Deed A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Feb 27, 2020 · Amount on Record
Deed Doc Number	2023029544
Deed Book / Page	6371 / 1082
Record Refreshed	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2023
Property Address	2156 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8259
Document Number	0063711082
Book / Page	6371 / 1082
Instrument Date	Mar 07, 2023
Instrument	2023029544
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2689 MAXWELL CT W, KISSIMMEE, FL 34743-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5835 CANAL ST, SAINT CLOUD, FL 34771-8841

Mortgage

Document Number	0063711084
Date	Mar 14, 2023
Instrument	6371/1084

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2020
Property Address	2156 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8259
Document Number	0056812954
Book / Page	005681 / 002954
Instrument Date	Feb 27, 2020
Instrument	28821
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

Amount	Amount Recorded
Tax	$952.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2689 MAXWELL CT W KISSIMMEE FL 347435629, KISSIMMEE, FL 34743-5629

February 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2020
Property Address	2156 CHRISTOPHER LN, SAINT CLOUD, FL 34771-8259
Document Number	0056812952
Book / Page	005681 / 002952
Instrument Date	Feb 20, 2020
Instrument	28820
Record Updated	May 25, 2020
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 GRAPE AVE ST CLOUD FL 347693047, ST CLOUD, FL 34769-3047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
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	$2,965.00 (+0.78%) Homeowner's exemption	$203,433 (+18.76%)	$210,400 (+22.83%) Land $52,200 Building $158,200
2023	$2,942.00 (+11.06%)	$171,300 (+15.2%) Land $25,200 Building $146,100	$171,300 (+15.2%) Land $25,200 Building $146,100
2022	$2,649.00	$148,700 Land $25,200 Building $123,500	$148,700 Land $25,200 Building $123,500

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	66.0 ft

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 400 per year
Exposure	Direct burnable vegetation at the parcel

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

2156 Christopher Ln, Saint Cloud, FL 34771 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2020: Correction Deed

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Christopher Ln

Nearby Streets

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