Osceola County property record for 2185 Pine Ter, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,256 sqft Heated Area |
| Lot Size | 17,424 sqft (0.4 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $355,000 (2023) |
| Tax Bill | $3,829.00 (2025) |
| Primary APN | 1026315020000F0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,256 sqft Heated Area |
| Gross Area | 1,880 sqft Gross Area |
| 1st Floor | 1,112 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 17,424 sqft (0.4 acres) |
| Depth X Width | 175 ft x 100 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 308 sqft Garage |
| Fence | Fence |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 306 sqft Porch |
| Utility Building | 100 sqft Utility Building |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 97154 |
|---|---|
| Street Address | 2185 PINE TER |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7921 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SMITHSON VILLAGE ADD NO 1 BLK F LOT 3 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | SMITHSON VLG ADDN 1 |
| Legal Tract | 5020 |
| Legal Block | F |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 43301 |
Source: Osceola County records · APN 1026315020000F0030
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2185 PINE TER, SAINT CLOUD, FL 34771-7921 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 11, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CALIBER HOME LOANS INC |
| Jul 28, 2022 | Warranty Deed, Transfer MAGNOLIA TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 11, 2023 · Amount on Record |
| Deed Sale | Jan 11, 2023 · Amount on Record |
| Prior Sale | Jul 28, 2022 · Amount on Record |
| Deed Doc Number | 2023004194 |
| Deed Book / Page | 6343 / 724 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 11, 2023 |
| Property Address | 2185 PINE TER, SAINT CLOUD, FL 34771-7921 |
| Document Number | 0063430724 |
| Book / Page | 6343 / 724 |
| Map Reference | MB 1 PG 411 |
| Instrument Date | Jan 09, 2023 |
| Instrument | 2023004194 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2805 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Name | Verified Name |
|---|---|
| Address | 2185 PINE TER, SAINT CLOUD, FL 34771-7921 |
| Document Number | 0006343725 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 6343/725 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 28, 2022 |
| Property Address | 2185 PINE TER, SAINT CLOUD, FL 34771-7921 |
| Document Number | 0062591769 |
| Book / Page | 6259 / 1769 |
| Map Reference | MB 1 PG 411 |
| Instrument Date | Jul 28, 2022 |
| Instrument | 2022116170 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | MAGNOLIA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7702 PARK DR, 7702, TAMPA, FL 33610-1065 |
| Name | Verified Name |
|---|---|
| Address | 2805 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,829.00 (+38.58%) Homeowner's exemption | $265,800 (+73.27%) Land $55,000 Building $210,800 | $265,800 (+73.27%) Land $55,000 Building $210,800 |
| 2023 | $2,763.00 (+35.11%) | $153,400 (+43.36%) Land $12,600 Building $140,800 | $153,400 (+43.36%) Land $12,600 Building $140,800 |
| 2022 | $2,045.00 | $107,000 Land $12,600 Building $94,400 | $107,000 Land $12,600 Building $94,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | Moderate above 54% of the US · above 25% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 658 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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