2165 Palm Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2165 Palm Ter, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,298 sqft · built 1959
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,700 (May 2007)
Tax Bill	$2,347 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`10-26-31-5030-000C-0050`

Property Details

APN / Parcel Number

Primary APN	`10-26-31-5030-000C-0050`
Alternative APNs	`2631105030000C0050` `97162`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,298 sqft Living Area
Gross Area	1,472 sqft
1st Floor Area	1,004 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Porch	Florida Room
Porch Area	468 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2165 PALM TER
City	SAINT CLOUD
State	FL
Zip	34771-8752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	SMITHSON VILLAGE BLK C PB 1 PG 289 LOTS 5 & 6
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	SMITHSON VLG
Legal Tract	5030
Legal Block	C
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1008
Census Tract	43301

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2165 PALM TER, SAINT CLOUD, FL 34771-8752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN BANCSHARES MORTGAGE LLC
Jun 30, 2020	Warranty Deed, Transfer · Commercial Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2007 · Amount on Record
Deed Sale	May 31, 2007 · Amount on Record
Deed Document Number	2007103555
Deed Book / Page	3491 / 1020
Prior Transfer Date	May 22, 2007
Prior Transfer Doc	0034911020
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 27, 2020
Property Address	2165 PALM TER, SAINT CLOUD, FL 34771-8752
Document Number	0058200865
Book / Page	5820 / 865
Map Reference	MB 1 PG 289
Instrument Date	Oct 23, 2020
Instrument	2020145245
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	SOUTHERN TTL & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5755 PEAK RD, 5755, RENO, NV 89510-9557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2165 PALM TER, SAINT CLOUD, FL 34771-8752

Mortgage

Document Number	0005820867
Date	Oct 27, 2020
Instrument	5820/867

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2020
Property Address	2165 PALM TER, SAINT CLOUD, FL 34771-8752
Document Number	0057462391
Book / Page	5746 / 2391
Map Reference	MB 1 PG 289
Instrument Date	Jun 26, 2020
Instrument	2020084492
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SOUTHERN TTL & ABSTRACT INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6295 SE 125TH PL, 6295, BELLEVIEW, FL 34420-5213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5755 PEAK RD, RENO, NV 89510-9557
Investor	Possibly a Property Investor

Mortgage

Document Number	0057462395
Date	Jun 30, 2020
Instrument	5746/2395

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,347.00 (+6.44%) Homeowner's exemption	$158,879 (+5.99%)	$247,100 (+11.56%) Land $55,000 Building $192,100
2024	$2,205.00 (+2.37%)
2023	$2,154.00 (+5.12%) Homeowner's exemption	$149,905 (+3%)	$221,500 (+14.29%) Land $36,000 Building $185,500
2022	$2,049.00 Homeowner's exemption	$145,539	$193,800 Land $36,000 Building $157,800

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon, Xfinity.

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