2320 Darby Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2320 Darby Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,056 sqft · built 1984
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jan 2025)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0615-0001-0160`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0615-0001-0160`
Alternative APNs	`112630359100010160` `263011061500010160` `84064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,140 sqft
1st Floor Area	1,056 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	444 sqft
Carport	Carport
Carport Area	444 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2320 DARBY LN
City	SAINT CLOUD
State	FL
Zip	34769-5003
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	SMH2
Legal Description	KANUGA VILL MOBILE HOME PK PHASE I PB 4 PG 29 LOT 16
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	KANUGA VLG MOBILE HOME PARK PH 1
Legal Phase	1
Legal Tract	615
Legal Block	160
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2030
Census Tract	43303

Owner

Source: Osceola County records, as of July 31, 2026

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
Mailing Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 24, 2022	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 10, 2021	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Jan 24, 2017	Affidavit of Death, Transfer ATTORNEY ONLY
Jan 24, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2025 · Amount on Record
Deed Sale	Jan 13, 2025 · Amount on Record
Prior Sale	Mar 24, 2022 · Amount on Record
Deed Document Number	20254728
Deed Book / Page	6724 / 2365
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003

Mortgage

Document Number	0063662136
Date	Mar 3, 2023
Book Page	6366/2136
Instrument	2023025537

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 24, 2022
Property Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003
Document Number	0061782492
Book / Page	6178 / 2492
Map Reference	MB 4 PG 29
Instrument Date	Mar 11, 2022
Instrument	2022047010
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4070 RAMBLER AVE, 4070, SAINT CLOUD, FL 34772-7919

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003

Mortgage

Document Number	0061782494
Date	Mar 24, 2022
Instrument	6178/2494

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 10, 2021
Property Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003
Document Number	0060840203
Book / Page	6084 / 203
Map Reference	MB 4 PG 29
Instrument Date	Nov 5, 2021
Instrument	2021175037
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$1,029.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 E 5TH ST, 101, SAINT CLOUD, FL 34769-3012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 RAMBLER AVE, SAINT CLOUD, FL 34772-7919

January 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2017
Property Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003
Document Number	0050900964
Book / Page	005090 / 000964
Instrument Date	Jan 20, 2017
Instrument	12741
Transaction Type	Transfer
Record Updated	Feb 13, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 DARBY LN ST CLOUD FL 347695003, ST CLOUD, FL 34769-5003

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2017
Property Address	2320 DARBY LN, SAINT CLOUD, FL 34769-5003
Document Number	0050900965
Book / Page	005090 / 000965
Instrument Date	Jan 20, 2017
Instrument	12742
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 E 5TH ST ST CLOUD FL 347693012, ST CLOUD, FL 34769-3012

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,423.00 (-45.02%)	$122,381 (-14.72%)	$155,200 (+8.15%) Land $50,000 Building $105,200
2023	$2,588.00 (+38.92%)	$143,500 (+39.05%) Land $35,000 Building $108,500	$143,500 (+39.05%) Land $35,000 Building $108,500
2022	$1,863.00	$103,200 Land $26,000 Building $77,200	$103,200 Land $26,000 Building $77,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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