2245 Betsy Ross Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2245 Betsy Ross Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,588 sqft · built 2013
Lot Size	0.065 acres (2,838 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2022)
Tax Bill	$5,659 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0527-0011-00B0`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0527-0011-00B0`
Alternative APN	`2630090527001100B0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	2,011 sqft
1st Floor Area	788 sqft
Upper Floors Area	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Custom Design
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,838 sqft (0.065 acres)
Garage Type	Attached
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2245 BETSY ROSS LN
City	SAINT CLOUD
State	FL
Zip	34769-1802
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	JEFFERSON GREEN AT ANTHEM PARK CONDO PH 11 CB 13 PG 99 OR 4471/1588 BLDG 11 UNIT B
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	JEFFERSON GREEN AT ANTHEM PARK CONDO PH
Legal Phase	11
Legal Tract	527
Legal Block	B0
Legal Lot Number	B
Legal Unit	B
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43208

Owner

Source: Osceola County records, as of July 20, 2026

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 Record	Individual Name on Record
Mailing Address	2245 BETSY ROSS LN, SAINT CLOUD, FL 34769-1802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Warranty Deed, Transfer · Conventional Mortgage M SQUARED FINANCIAL LLC
Oct 16, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	2022179441
Deed Book / Page	6330 / 374
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2022
Property Address	2245 BETSY ROSS LN, SAINT CLOUD, FL 34769-1802
Document Number	0063300374
Book / Page	6330 / 374
Map Reference	MB 3693 PG 2315
Instrument Date	Dec 14, 2022
Instrument	2022179441
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	PARK AVENUE TITLE AGENCY, PARK AVENUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11906 KIPPER DR, ORLANDO, FL 32827-7118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 BETSY ROSS LN # B, B, SAINT CLOUD, FL 34769-1802

Mortgage

Document Number	0006330376
Date	Dec 15, 2022
Instrument	6330/376

Lender

Name	M SQUARED FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 16, 2017
Property Address	2245 BETSY ROSS LN, SAINT CLOUD, FL 34769-1802
Document Number	0052240524
Book / Page	5224 / 0524
Instrument Date	Oct 12, 2017
Instrument	2017147638
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,029.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 BETSY ROSS LN, SAINT CLOUD, FL 34769-1802

Mortgage

Document Number	0052240525
Date	Oct 16, 2017
Book Page	5224/0525
Instrument	2017147639

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,659.00 (-2.19%)	$217,500 (-3.72%) Building $217,500	$217,500 (-3.72%) Building $217,500
2023	$5,786.00 (+70.73%)	$225,900 (+64.15%) Building $225,900	$225,900 (+33.12%) Building $225,900
2022	$3,389.00 Homeowner's exemption	$137,615	$169,700 Building $169,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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 Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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