2321 Symphony Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2321 Symphony Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,000 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on Record
Last Sale	$494,700 (Mar 2020)
Tax Bill	$6,886 (2025)
Deeds & Mortgages	Dec 2020 Transfer Mar 2020 Sale
Flood Zone	Zone X (moderate risk)
APN	`172531489900010640`

Property Details

APN / Parcel Number

Primary APN	`172531489900010640`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,000 sqft Heated Area
Gross Area	3,955 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	532 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2321 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 64
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	SERENITY RESERVE
Legal Tract	4899
Legal Lot Number	64
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1056
Census Tract	43600

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 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	2321 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Correction Deed STEWART TITLE
Mar 31, 2020	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2020 · Amount on Record
Deed Sale	Mar 31, 2020 · Amount on Record
Deed Document Number	0057011264
Deed Book / Page	5701 / 1264
Record Updated	Jun 8, 2026

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 1, 2020
Property Address	2321 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929
Document Number	0058422076
Book / Page	005842 / 002076
Instrument Date	Mar 31, 2020
Instrument	163237
Record Updated	Dec 16, 2020
Title Company	STEWART TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5555 CHELSEA PARK DR DUBLIN OH 430167088, DUBLIN, OH 43016-7088

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2020
Property Address	2321 SYMPHONY CIR, SAINT CLOUD, FL 34771-8929
Document Number	0057011264
Book / Page	005701 / 001264
Instrument Date	Mar 25, 2020
Instrument	45254
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$3,462.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5555 CHELSEA PARK DR DUBLIN OH 430167088, DUBLIN, OH 43016-7088

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	$6,886.00 (+6.43%) Homeowner's exemption	$486,446 (+5.99%)	$615,700 (+25.02%) Land $90,000 Building $525,700
2023	$6,470.00 (+3.64%) Homeowner's exemption	$458,968 (+3%)	$492,500 (+10.53%) Land $75,000 Building $417,500
2022	$6,243.00 Homeowner's exemption	$445,600 Land $65,000 Building $380,600	$445,600 Land $65,000 Building $380,600

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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 314 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink.

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