2306 Symphony Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2306 Symphony Cir, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Year Built	Built 2022
Square Footage	2,631 sqft Heated Area
Lot Size	7,841 sqft (0.18 acres)
Occupancy	Owner Occupied
Last Sale	$501,474 (2022)
Tax Bill	$6,562.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`172531489900010220`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	2,631 sqft Heated Area
Gross Area	3,413 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Tile Roof
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished Garage
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	2306 SYMPHONY CIR
City	SAINT CLOUD
State	FL
Zip	34771-8928
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SERENITY RESERVE PB 25 PGS 122-123 LOT 22
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	SERENITY RESERVE
Legal Tract	4899
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1009
Census Tract	43600

Owner

Source: Osceola County records · APN 172531489900010220

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2306 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Deed Doc Number	2022166120
Deed Book / Page	6315 / 1129
Record Refreshed	Jun 08, 2026

November 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 15, 2022
Property Address	2306 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Document Number	0063151129
Book / Page	6315 / 1129
Map Reference	MB 25 PG 122
Instrument Date	Oct 10, 2022
Instrument	2022166120
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,510.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2387 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2306 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

Mortgage

Document Number	0063151130
Date	Nov 15, 2022
Instrument	6315/1130

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.59%
Type Change Date	Dec 01, 2027
Change Frequency	Annually
Min Rate At Change	2.59%
Max Rate At Change	6.59%
Index	52-Week T-Bill (1-Year)
Max Rate	10.5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$6,562.00 (+6.49%) Homeowner's exemption	$463,057 (+5.99%)	$547,300 (+25.27%) Land $90,000 Building $457,300
2023	$6,162.00 (+578.63%) Homeowner's exemption	$436,900 (+572.15%) Land $75,000 Building $361,900	$436,900 (+572.15%) Land $75,000 Building $361,900
2022	$908.00	$65,000 Land $65,000	$65,000 Land $65,000

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	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 649 per year
Exposure	Direct burnable vegetation at the parcel

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