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2175 Palm Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2175 Palm Ter, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,209 sqft · built 1942
Lot Size0.287 acres (12,501 sqft)
Owner2 Individual Names on File
Last Sale$262,500 (Sep 2025)
Tax Bill$3,512 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Feb 2022 Transfer
Flood ZoneZone AE (high risk)
APN10-26-31-5030-000C-0100

Property Details

APN / Parcel Number

Primary APN10-26-31-5030-000C-0100
Alternative APNs
  • 2631105030000C0100
  • 97164

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,209 sqft Living Area
Gross Area1,599 sqft
1st Floor Area1,209 sqft
FlooringTile
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1942
Effective Year BuiltEffective 1992
Architectural StyleConventional
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area12,501 sqft (0.287 acres)
Lot Dimensions100 ft deep x 125 ft wide
Garage TypeCarport
Garage Area360 sqft
CarportCarport
Carport Area360 sqft
PorchScreened/Unfinished Porch
Porch Area30 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2175 PALM TER
CitySAINT CLOUD
StateFL
Zip34771-8752
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSMITHSON VILLAGE PB 1 PG 289 BLK C LOTS 10, 11 AND S 1/2 LOT 9
Legal Range31E
Legal Township26S
Legal Section10
Legal SubdivisionSMITHSON VLG
Legal Tract5030
Legal BlockC
Legal Lot Number10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1001
Census Tract43301

Owner

Source: Osceola County records · APN 10-26-31-5030-000C-0100

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address2175 PALM TER, SAINT CLOUD, FL 34771-8752
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 03, 2025Warranty Deed, Transfer · Conventional Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Feb 10, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 03, 2025 · Amount on Record
Deed SaleSep 03, 2025 · Amount on Record
Prior SaleDec 08, 2023 · Amount on Record
Deed Document Number2025109912
Deed Book / Page6844 / 1235
Prior Transfer DateJul 08, 2015
Prior Transfer Doc0048321734
Record UpdatedJun 08, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 03, 2025
Property Address2175 PALM TER, SAINT CLOUD, FL 34771-8752
Document Number0068441235
Book / Page6844 / 1235
Map ReferenceMB 1 PG 289
Instrument DateSep 02, 2025
Instrument2025109912
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyEXCELSIOR TITLE, EXCEL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,837.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2180 PALM TER, SAINT CLOUD, FL 34771-8776

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2175 PALM TER, SAINT CLOUD, FL 34771-8752

Mortgage

Document Number0068441237
DateSep 03, 2025
Book Page6844/1237
Instrument2025109913
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 10, 2022
Property Address2175 PALM TER, SAINT CLOUD, FL 34771-8752
Document Number0061480540
Book / Page6148 / 540
Map ReferenceMB 1 PG 289
Instrument DateFeb 03, 2022
Instrument2022022895
Transaction TypeTransfer
Record UpdatedMar 06, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6150 BEAR CLAW LANE, BOZEMAN XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address38 LENOX POINTE NE STE B, B, ATLANTA, GA 30324-5698

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,512.00 (+8%)$202,100 (+19.59%) Land $55,000 Building $147,100$202,100 (+19.59%) Land $55,000 Building $147,100
2024$3,252.00 (+24.65%)
2023$2,609.00 (+10.79%)$169,000 (+13.96%) Land $36,000 Building $133,000$169,000 (+13.96%) Land $36,000 Building $133,000
2022$2,355.00$148,300 Land $36,000 Building $112,300$148,300 Land $36,000 Building $112,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation66.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 658 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 44 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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