2270 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2270 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,875 sqft · built 2017
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$555,000 (Apr 2021)
Tax Bill	$5,372 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172531537400010260`

Property Details

APN / Parcel Number

Primary APN	`172531537400010260`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,875 sqft Heated Area
Gross Area	5,078 sqft
1st Floor Area	2,138 sqft
Upper Floors Area	1,737 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Finished
Garage Area	849 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	354 sqft
Deck Area	1,448 sqft
Fence	Fence
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2270 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNDERWOOD ESTATES PB 24 PG 1-4 LOT 26
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	UNDERWOOD ESTATES
Legal Tract	5374
Legal Lot Number	26
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2270 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 4, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Prior Sale	Jun 4, 2018 · Amount on Record
Deed Document Number	2021065171
Deed Book / Page	5946 / 2036
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 29, 2021
Property Address	2270 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Document Number	0059462036
Book / Page	5946 / 2036
Map Reference	MB 24 PG 1-4
Instrument Date	Apr 28, 2021
Instrument	2021065171
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,885.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2290 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2290 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Investor	Possibly a Property Investor

Mortgage

Document Number	0059462038
Date	Apr 29, 2021
Instrument	5946/2038

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2018
Property Address	2270 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7707
Document Number	0053441213
Book / Page	005344 / 001213
Instrument Date	May 31, 2018
Instrument	86502
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 2, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,030.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2290 UNDERWOOD AVE ST CLOUD FL 347717707, ST CLOUD, FL 34771-7707

Mortgage

Document Number	53441215
Date	Jun 4, 2018
Book Page	005344/001215
Instrument	86503

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,372.00 (+6.78%) Homeowner's exemption	$377,218 (+5.99%)	$497,400 (+1.82%) Land $75,000 Building $422,400
2023	$5,031.00 (+3.86%) Homeowner's exemption	$355,910 (+3%)	$488,500 (+15.7%) Land $75,000 Building $413,500
2022	$4,844.00 Homeowner's exemption	$345,544	$422,200 Land $65,000 Building $357,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 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 Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 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 259 locations within half a mile, as of December 31, 2025

Provider	Max 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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