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2220 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2220 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 4,768 sqft · built 2017
Lot Size0.38 acres (16,552 sqft)
OwnerIndividual Name on File
Last Sale$510,000 (Oct 2018)
Tax Bill$6,101 (2025)
Deeds & MortgagesNov 2025 Transfer
Jan 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN17-25-31-5374-0001-0250

Property Details

APN / Parcel Number

Primary APN17-25-31-5374-0001-0250
Alternative APN
  • 253117537400010250

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area4,768 sqft Living Area
Gross Area5,908 sqft
1st Floor Area2,183 sqft
Upper Floors Area2,585 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,552 sqft (0.38 acres)
Garage TypeAttached
Garage Area930 sqft
Parking Spaces4 Parking Spaces
PorchFlorida Room
Porch Area1,140 sqft
Patio Area360 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address2220 UNDERWOOD AVE
CitySAINT CLOUD
StateFL
Zip34771-7707
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNDERWOOD ESTATES PB 24 PG 1-4 LOT 25
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionUNDERWOOD ESTATES
Legal Tract5374
Legal Block250
Legal Lot Number25
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1027
Census Tract43700

Owner

2220 Underwood Ave is owned and occupied by an individual who acquired it in November 2025.

Source: Osceola County records, as of December 1, 2025

Owner of RecordIndividual Name on File
Mailing Address2220 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 19, 2025Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
NORTH AMERICAN SAVINGS BANK FSB
Oct 11, 2018Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 11, 2018 · Amount on File
Deed SaleOct 11, 2018 · Amount on File
Deed Document Number2018153176
Deed Book / Page5416 / 1279
Last Transfer DateNov 19, 2025
Transfer Doc0068821747
Record UpdatedSep 20, 2026

November 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 19, 2025
Property Address2220 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Document Number0068821747
Book / Page6882 / 1747
Map ReferenceMB 24 PG 1-4
Instrument DateNov 19, 2025
Instrument2025142619
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6280 BRISTOL CHANNEL WAY, ORLANDO, FL 32829-8364

Transferred To (Grantee/Buyer)

NameVerified Name
Address2220 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2220 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Transaction TypeMortgage
Record UpdatedFeb 8, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056601737
DateJan 21, 2020
Book Page5660/1737
Instrument2020009605
Lender
NameNORTH AMERICAN SAVINGS BANK FSB
TypeBank
AddressGRANDVIEW, MO 64030
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2050

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 11, 2018
Property Address2220 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Document Number0054161279
Book / Page5416 / 1279
Map ReferenceMB24 PG1-4
Instrument DateSep 28, 2018
Instrument2018153176
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 8, 2022
Title CompanyFIDELITY NATL TITLE OF FLORI

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,570.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address2220 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707

Mortgage

Document Number2018153177
DateOct 11, 2018
Instrument2018153177
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2220 Underwood Ave was $6,101 with a homeowner's exemption, up 4.5% from the year before.

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$6,101.00 (+4.47%) Homeowner's exemption$429,795$509,900 Land $75,000 Building $434,900
2024$5,840.00 (+2.03%)
2023$5,724.00 (+3.75%) Homeowner's exemption$405,518 (+3%)$501,300 (+17.15%) Land $75,000 Building $426,300
2022$5,517.00 Homeowner's exemption$393,707$427,900 Land $65,000 Building $362,900

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

Flood

FEMA maps place 2220 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 2220 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 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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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