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2181 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2181 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,942 sqft · built 1999
Lot Size0.505 acres (21,997 sqft)
Owner2 Individual Names on Record
Last Sale$96,250 (Jul 2020)
Tax Bill$3,036 (2025)
Deeds & MortgagesJul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN17-25-31-4259-0001-0060

Property Details

APN / Parcel Number

Primary APN17-25-31-4259-0001-0060
Alternative APNs
  • 253117425900010060
  • 91049

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,942 sqft Living Area
Gross Area2,793 sqft
1st Floor Area1,942 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeMansard
Roof MaterialComposition Shingle
Lot Area21,997 sqft (0.505 acres)
Lot Dimensions220 ft deep x 100 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area389 sqft
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2181 UNDERWOOD AVE
CitySAINT CLOUD
StateFL
Zip34771-7880
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOR1C
Legal DescriptionNARCOOSSEE HALF ACRES PB 5 PG 31 LOT 6
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionNARCOOSSEE HALF ACRES
Legal Tract4259
Legal Block60
Legal Lot Number6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address2181 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7880
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 23, 2020 · Amount on Record
Deed SaleJul 23, 2020 · Amount on Record
Prior SaleNov 12, 2013 · Amount on Record
Deed Document Number202096492
Deed Book / Page5760 / 2501
Prior Transfer DateMay 7, 2020
Prior Transfer Doc0057602501
Record UpdatedJun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 23, 2020
Property Address2181 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7880
Document Number0057602501
Book / Page5760 / 2501
Map ReferenceMB 5 PG 31
Instrument DateMay 7, 2020
Instrument2020096492
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2181 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7880
InvestorPossibly a Property Investor

Mortgage

Document Number0057602505
DateJul 23, 2020
Instrument5760/2505
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,036.00 (+5.71%) Homeowner's exemption$208,557 (+12.89%)$320,800 (+16.15%) Land $75,000 Building $245,800
2024$2,872.00 (+8.75%)
2023$2,641.00 (+4.72%) Homeowner's exemption$184,749 (+3%)$276,200 (+13.48%) Land $57,000 Building $219,200
2022$2,522.00 Homeowner's exemption$179,368$243,400 Land $57,000 Building $186,400

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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

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

Wildfire RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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