2180 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2180 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,771 sqft · built 2019
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$373,658 (Mar 2019)
Tax Bill	$4,219 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172531537400010240`

Property Details

APN / Parcel Number

Primary APN	`172531537400010240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,771 sqft Heated Area
Gross Area	3,674 sqft
1st Floor Area	2,771 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Finished
Garage Area	660 sqft
Porch	Open Porch
Porch Area	243 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2180 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNDERWOOD ESTATES PB 24 PG 1-4 LOT 24
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	UNDERWOOD ESTATES
Legal Tract	5374
Legal Lot Number	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43700

Owner

2180 Underwood Ave is owned and occupied by an individual who bought it in March 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2180 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Dec 26, 2019	Loan Modification, Mortgage AMERIHOME MTG
Mar 18, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on File
Deed Sale	Mar 18, 2019 · Amount on File
Deed Document Number	2019033901
Deed Book / Page	5492 / 2502
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2180 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2180 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600

Mortgage

Document Number	0063110583
Date	Nov 4, 2022
Book Page	6311/583
Instrument	2022162350

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2052

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2180 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
Document Number	0056730499
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2180 UNDERWOOD AVE ST CLOUD FL 347717600, ST CLOUD, FL 34771-7600

Mortgage

Document Number	0056730499
Date	Feb 12, 2020
Book Page	005673/000499
Instrument	21303

Lender

Name	AMERIHOME MTG
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2050

March 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2019
Property Address	2180 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600
Document Number	0054922502
Book / Page	5492 / 2502
Map Reference	MB 24 PG 1-4
Instrument Date	Mar 15, 2019
Instrument	2019033901
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,615.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2180 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7600

Mortgage

Document Number	2019033902
Date	Mar 18, 2019
Instrument	2019033902

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2180 Underwood Ave was $4,219 with a homeowner's exemption.

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	$4,219.00 Homeowner's exemption	$293,957	$364,200 Land $75,000 Building $289,200
2023	$3,934.00 (+4.13%) Homeowner's exemption	$277,353 (+3%)	$358,500 (+17.23%) Land $75,000 Building $283,500
2022	$3,778.00 Homeowner's exemption	$269,275	$305,800 Land $65,000 Building $240,800

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

Flood

FEMA maps place 2180 Underwood Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 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

Wildfire risk around 2180 Underwood Ave is moderate, ranking above 52% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 77% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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