Osceola County property record for 2315 Bronco Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,873 sqft · built 2003 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (May 2017) |
| Tax Bill | $4,112 (2025) |
| Deeds & Mortgages | Jan 2017 Line of Credit Apr 2019 Line of Credit + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 103358 |
| Primary APN | 103358 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,873 sqft Heated Area |
| Gross Area | 3,335 sqft Gross Area |
| 1st Floor Area | 1,929 sqft 1st Floor |
| Upper Floors Area | 416 sqft Upper Floors |
| Attic Area | 416 sqft Attic |
| Stories | 1 Story |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 528 sqft Garage |
| Pool Area | 555 sqft Pool |
|---|---|
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 180 sqft Shed |
| Deck Area | 970 sqft Deck |
| Porch | Enclosed Porch |
| Porch Area | 990 sqft Porch |
| Pole Barn | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 103358 |
|---|---|
| Street Address | 2315 BRONCO DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 341 & LOT 342 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 | 341 |
| Legal Unit | H |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43801 |
Source: Osceola County records · APN 103358
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 | 2315 BRONCO DR, SAINT CLOUD, FL 34771-9563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 05, 2017 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Apr 19, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| May 22, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2017 · Amount on Record |
| Deed Sale | May 22, 2017 · Amount on Record |
| Prior Sale | Sep 21, 2005 · Amount on Record |
| Deed Document Number | 2017074870 |
| Deed Book / Page | 5151 / 2596 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2315 BRONCO DR, SAINT CLOUD, FL 34771-9563 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050811463 |
|---|---|
| Date | Jan 05, 2017 |
| Book Page | 5081/1463 |
| Instrument | 2017002573 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2315 BRONCO DR, SAINT CLOUD, FL 34771-9563 |
| Document Number | 0055192529 |
| Instrument Date | Apr 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2019 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2315 BRONCO DR ST CLOUD FL 347719563, ST CLOUD, FL 34771-9563 |
| Document Number | 0055192529 |
|---|---|
| Date | May 06, 2019 |
| Book Page | 005519/002529 |
| Instrument | 58248 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 05, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2017 |
| Property Address | 2315 BRONCO DR, SAINT CLOUD, FL 34771-9563 |
| Document Number | 0051512596 |
| Book / Page | 5151 / 2596 |
| Map Reference | MB4 PG59-61 |
| Instrument Date | May 19, 2017 |
| Instrument | 2017074870 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2315 BRONCO DR, SAINT CLOUD, FL 34771-9563 |
| Document Number | 0051512599 |
|---|---|
| Date | May 22, 2017 |
| Instrument | 5151/2599 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,112.00 (+7.31%) Homeowner's exemption | $286,255 (+5.99%) | $523,900 (+18.93%) Land $133,400 Building $390,500 |
| 2023 | $3,832.00 (+4.13%) Homeowner's exemption | $270,086 (+3%) | $440,500 (+20.49%) Land $105,000 Building $335,500 |
| 2022 | $3,680.00 Homeowner's exemption | $262,220 | $365,600 Land $84,000 Building $281,600 |
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
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 183 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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