2328 Symphony Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2328 Symphony Cir, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,631 sqft · built 2021
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Company Names on File
Last Sale	$450,632 (Jul 2021)
Tax Bill	$4,881 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`17-25-31-4899-0001-0120`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4899-0001-0120`
Alternative APN	`253117489900010120`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,631 sqft Living Area
Gross Area	3,413 sqft
1st Floor Area	2,631 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2328 SYMPHONY CIR
City	SAINT CLOUD
State	FL
Zip	34771-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SERENITY RESERVE PB 25 PGS 122-123 LOT 12
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	SERENITY RESERVE
Legal Block	120
Legal Lot Number	12
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43600

Owner

Source: Osceola County records · APN 17-25-31-4899-0001-0120

Assessment roll updated November 26, 2025 · Last verified August 2026

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 File
Mailing Address	2328 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2021 · Amount on Record
Deed Sale	Jul 06, 2021 · Amount on Record
Deed Document Number	2021104207
Deed Book / Page	5995 / 1275
Last Transfer Date	Apr 19, 2024
Transfer Doc	0065860150
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 06, 2021
Property Address	2328 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Document Number	0059951275
Book / Page	5995 / 1275
Map Reference	MB 25 PG 122&123
Instrument Date	Jul 01, 2021
Instrument	2021104207
Transaction Type	Transfer
Record Updated	Jan 10, 2023
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	$3,154.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2328 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

Mortgage

Document Number	0059951276
Date	Jul 06, 2021
Instrument	5995/1276

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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	$4,881.00 (+4.79%)	$341,730 (+5.99%)	$548,900 (+25.32%) Land $90,000 Building $458,900
2024	$4,658.00 (+2.08%)
2023	$4,563.00 (+3.94%) Homeowner's exemption	$322,428 (+3%)	$438,000 (+10.66%) Land $75,000 Building $363,000
2022	$4,390.00 Homeowner's exemption	$313,037	$395,800 Land $65,000 Building $330,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.