2313 Symphony Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2313 Symphony Cir, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,625 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$454,000 (Apr 2020)
Tax Bill	$5,998 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`172531489900010670`

Property Details

APN / Parcel Number

Primary APN	`172531489900010670`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,625 sqft Heated Area
Gross Area	3,413 sqft
1st Floor Area	2,625 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2313 SYMPHONY CIR
City	SAINT CLOUD
State	FL
Zip	34771-8929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SERENITY RESERVE PB 25 PGS 122-123 LOT 67
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	SERENITY RESERVE
Legal Tract	4899
Legal Lot Number	67
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1056
Census Tract	43600

Owner

Source: Osceola County records · APN 172531489900010670

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	2313 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	2020050106
Deed Book / Page	5707 / 938
Record Updated	Jun 08, 2026

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2020
Property Address	2313 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929
Document Number	0057070938
Book / Page	5707 / 938
Map Reference	MB 25 PG 122
Instrument Date	Apr 10, 2020
Instrument	2020050106
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,178.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2354 SYMPHONY CIR, 2354, SAINT CLOUD, FL 34771-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2313 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929

Mortgage

Document Number	0057070939
Date	Apr 13, 2020
Instrument	5707/0939

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,998.00 (+6.61%) Homeowner's exemption	$422,365 (+5.99%)	$536,700 (+25.22%) Land $90,000 Building $446,700
2023	$5,626.00 (+3.76%) Homeowner's exemption	$398,507 (+3%)	$428,600 (+10.78%) Land $75,000 Building $353,600
2022	$5,422.00 Homeowner's exemption	$386,900 Land $65,000 Building $321,900	$386,900 Land $65,000 Building $321,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 314 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.