226 Polermo Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 226 Polermo Ave, Saint Cloud, FL 34771 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,990 sqft Living Area
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$426,700 (2023)
Tax Bill	$4,958.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`21-25-31-4978-0001-0210`
Alternative APN	`253121497800010210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,990 sqft Living Area
Gross Area	2,732 sqft Gross Area
1st Floor	1,990 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached Garage
Garage Area	504 sqft Garage

Utilities and HVAC

Heating System	HVAC Heating

Location & Zoning

Street Address	226 POLERMO AVE
City	SAINT CLOUD
State	FL
Zip	34771-9432
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 21
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	SIENA RESERVE
Legal Phase	2A
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 21-25-31-4978-0001-0210

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	226 POLERMO AVE, SAINT CLOUD, FL 34771-9432
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Deed Doc Number	2023156388
Deed Book / Page	6511 / 2835
Record Refreshed	Sep 20, 2026

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 30, 2023
Property Address	226 POLERMO AVE, SAINT CLOUD, FL 34771-9432
Document Number	0065112835
Book / Page	6511 / 2835
Map Reference	MB 29 PG 42
Instrument Date	Nov 22, 2023
Instrument	2023156388
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,986.90
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 POLERMO AVE, SAINT CLOUD, FL 34771-9432

Mortgage

Document Number	0065112837
Date	Nov 30, 2023
Instrument	6511/2837

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$4,958.00 (+425.77%)	$347,300 (+396.14%) Land $75,000 Building $272,300	$347,300 (+396.14%) Land $75,000 Building $272,300
2023	$943.00 (+12.53%)	$70,000 (+16.67%) Land $70,000	$70,000 (+16.67%) Land $70,000
2022	$838.00	$60,000 Land $60,000	$60,000 Land $60,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	About 1 in 142 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.