2290 Bronco Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2290 Bronco Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,178 sqft · built 1991
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2016)
Tax Bill	$4,863 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`103161`

Property Details

APN / Parcel Number

Primary APN	`103161`
Alternative APN	`182632259900011440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,178 sqft Heated Area
Gross Area	3,363 sqft
1st Floor Area	2,178 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Finished
Garage Area	1,830 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Porch
Porch Area	610 sqft
Deck Area	462 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103161
Street Address	2290 BRONCO DR
City	SAINT CLOUD
State	FL
Zip	34771-9531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 144 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UN 3
Legal Tract	2599
Legal Block	1
Legal Lot Number	7,144
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1017
Census Tract	43801

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	2 Individual Names on Record
Mailing Address	2290 BRONCO DR, SAINT CLOUD, FL 34771-9531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MORTGAGE LLC
May 4, 2020	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2016 · Amount on Record
Deed Sale	Jul 18, 2016 · Amount on Record
Prior Sale	Nov 6, 2013 · Amount on Record
Deed Document Number	2016109334
Deed Book / Page	4994 / 1192
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2290 BRONCO DR, SAINT CLOUD, FL 34771-9531
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2290 BRONCO DR, SAINT CLOUD, FL 34771-9531

Mortgage

Document Number	0061301136
Date	Jan 18, 2022
Book Page	6130/1136
Instrument	2022008483

Lender

Name	ACCELERATE MORTGAGE LLC
Type	Mortgage Company
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2290 BRONCO DR, SAINT CLOUD, FL 34771-9531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057171805
Date	May 4, 2020
Book Page	5717/1805
Instrument	2020060101

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

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	$4,863.00 (+7.33%) Homeowner's exemption	$340,431 (+6.34%)	$520,900 (+11.52%) Land $108,000 Building $412,900
2023	$4,531.00 (+3.95%) Homeowner's exemption	$320,133 (+3%)	$467,100 (+20.42%) Land $85,000 Building $382,100
2022	$4,359.00 Homeowner's exemption	$310,809	$387,900 Land $68,000 Building $319,900

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 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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	High above 79% of the US · above 69% of Florida
Wildfire Likelihood	0.5% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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