Osceola County property record for 2180 Palm Ter, Saint Cloud, FL 34771
| Property Type | Pasture |
|---|---|
| Details | 3 bd · 7.5 ba · 10,502 sqft · built 2022 |
| Lot Size | 3.09 acres (134,992 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $26,000 (Jun 2021) |
| Tax Bill | $15,370 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit Jun 2021 Sale & Construction Loan + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 10-26-31-5020-000F-0010 |
| Primary APN | 10-26-31-5020-000F-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 7.5 Baths |
| Half Baths | 5 Half Baths |
| Stories | 2 Stories |
| Building Area | 10,502 sqft Gross Area |
| 1st Floor Area | 3,324 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 134,992 sqft (3.09 acres) |
| Lot Dimensions | 500 ft deep x 228 ft wide |
| Garage Type | Attached |
| Garage Area | 1,194 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 28 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 1,589 sqft |
| Deck Area | 1,402 sqft |
| Boat Access | Boat Access |
| Boat House | 560 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2180 PALM TER |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8776 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Pasture |
| Local Zoning Code | RS-2 |
| Legal Description | SMITHSON VILLAGE ADD NO 1 BLK F LOT 1 & 1A |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | SMITHSON VLG ADD NO 1 |
| Legal Tract | 5020 |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 43301 |
Source: Osceola County records · APN 10-26-31-5020-000F-0010
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2180 PALM TER, SAINT CLOUD, FL 34771-8776 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 02, 2025 | Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK NA |
| Jun 18, 2021 | Quit Claim Deed, Transfer · Construction Mortgage SOUTH STATE BANK NA |
| Aug 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage ROBERT W BRONSON |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 18, 2021 · Amount on Record |
| Deed Sale | Jun 18, 2021 · Amount on Record |
| Prior Sale | Aug 18, 2020 · Amount on Record |
| Deed Document Number | 202195634 |
| Deed Book / Page | 5984 / 1121 |
| Prior Transfer Date | Jun 15, 2021 |
| Prior Transfer Doc | 0059841121 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2180 PALM TER, SAINT CLOUD, FL 34771-8776 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2180 PALM TER, SAINT CLOUD, FL 34771-8776 |
| Document Number | 0067641279 |
|---|---|
| Date | Apr 02, 2025 |
| Book Page | 6764/1279 |
| Instrument | 2025041389 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Mar 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 18, 2021 |
| Property Address | 2180 PALM TER, SAINT CLOUD, FL 34771-8776 |
| Document Number | 0059841121 |
| Book / Page | 5984 / 1121 |
| Map Reference | MB 1 PG 411 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 2021095634 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $182.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6301 OAK SHORE DR, SAINT CLOUD, FL 34771-8642 |
| Document Number | 0059841125 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 5984/1125 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 18, 2020 |
| Property Address | 2180 PALM TER, SAINT CLOUD, FL 34771-8776 |
| Document Number | 0057761370 |
| Book / Page | 005776 / 001370 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 108785 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3301 OAK SHORE DERIVE ST ST CLOUD FL 34771, ST CLOUD, FL 34771 |
| Document Number | 57761372 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 005776/001372 |
| Instrument | 108786 |
| Name | ROBERT W BRONSON |
|---|---|
| Address | PO BOX 2774, ORLANDO, FL 32802-2774 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $15,370.00 (-13.9%) Homeowner's exemption | $1,098,834 (-19.73%) | $1,176,400 (-14.07%) Land $36,800 Building $1,139,600 |
| 2024 | $17,851.00 (-9.56%) | ||
| 2023 | $19,739.00 (+431.19%) | $1,369,000 (+509.26%) Land $200,000 Building $1,169,000 | $1,369,000 (+509.26%) Land $200,000 Building $1,169,000 |
| 2022 | $3,716.00 | $224,700 Land $200,000 Building $24,700 | $224,700 Land $200,000 Building $24,700 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon, Xfinity.
Based on FCC filings for 44 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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