2164 Palm Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2164 Palm Ter, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,042 sqft · built 1948
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2021)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Apr 2021 Foreclosure + 1 more
Flood Zone	Zone AE (high risk)
APN	`1026315030000D0090`

Property Details

APN / Parcel Number

Primary APN	`1026315030000D0090`
Alternative APN	`97167`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,042 sqft Heated Area
Gross Area	1,468 sqft
1st Floor Area	922 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	246 sqft
Fence	Fence
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	97167
Street Address	2164 PALM TER
City	SAINT CLOUD
State	FL
Zip	34771-8776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	SMITHSON VILLAGE PB 1 PG 289 BLK D LOTS 9, 10
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	SMITHSON VLG UNIT 2
Legal Tract	5030
Legal Block	D
Legal Lot Number	9-10 10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43301

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2164 PALM TER, SAINT CLOUD, FL 34771-8776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Apr 5, 2021	Trustee's Deed, Foreclosure
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Apr 5, 2021 · Amount on Record
Deed Document Number	2021084334
Deed Book / Page	5970 / 904
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2021
Property Address	2164 PALM TER, SAINT CLOUD, FL 34771-8776
Document Number	0059700904
Book / Page	5970 / 904
Map Reference	MB 1 PG 289
Instrument Date	May 28, 2021
Instrument	2021084334
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2500 OAK ST, KISSIMMEE, FL 34744-4943

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2164 PALM TER, SAINT CLOUD, FL 34771-8776

Mortgage

Document Number	0005970906
Date	Jun 1, 2021
Instrument	5970/906

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

April 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2021
Property Address	2164 PALM TER, SAINT CLOUD, FL 34771-8776
Document Number	0059271260
Book / Page	5927 / 1260
Map Reference	MB 1 PG 289
Instrument Date	Mar 23, 2021
Instrument	2021050090
Transaction Type	Foreclosure
Record Updated	Mar 6, 2023

Transaction

Amount	Amount Recorded
Tax	$1,052.10
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 2, 2017
Property Address	2164 PALM TER, SAINT CLOUD, FL 34771-8776
Document Number	0051410486
Book / Page	5141 / 0486
Map Reference	MB1 PG289
Instrument Date	May 1, 2017
Instrument	2017064670
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,158.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1038 PLANTATION DR # DRD10, 1038, KISSIMMEE, FL 34741-3853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2164 PALM TER, SAINT CLOUD, FL 34771-8776

Mortgage

Document Number	0051410489
Date	May 2, 2017
Instrument	5141/0489

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,820.00 (+13.59%)	$224,300 (+11.93%) Land $55,000 Building $169,300	$224,300 (+11.93%) Land $55,000 Building $169,300
2023	$3,363.00 (+13.58%)	$200,400 (+17.4%) Land $36,000 Building $164,400	$200,400 (+17.4%) Land $36,000 Building $164,400
2022	$2,961.00	$170,700 Land $36,000 Building $134,700	$170,700 Land $36,000 Building $134,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

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

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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